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21338 Virginia Ave , Chestertown, MD 21620
$400,000
Est. Payment: $2,196.44/mo
2 Bed
2 Bath
1000 Sqft
0.18 Acres
Status: active | Days on site: 26
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House Description

Nestled in the quiet Tolchester Estates, this charming new construction home, completed in 2026, embodies the pinnacle of low maintenance living. This well-built ranch-style residence offers a harmonious blend of modern living space and coastal charm, perfectly situated approximately 800 feet from the breathtaking Chesapeake Bay. Step inside to discover an open-concept layout that seamlessly integrates the kitchen, dining, and living areas, creating an inviting space ideal for both entertaining and everyday living. The interior features luxury vinyl plank flooring that exudes sophistication while ensuring durability and ease of maintenance. The thoughtfully designed kitchen is a cook's dream, equipped with new appliances including a built-in microwave, dishwasher, stove, and refrigerator, all complemented by a sleek exhaust fan. The combination of functionality and style makes this kitchen the heart of the home. With two spacious bedrooms , and two fully appointed bathrooms, this residence offers comfort and privacy. The main floor laundry adds convenience to your daily routine, while the attached side-entry garage provides easy access and additional storage options. Step outside onto the expansive deck, where you can bask in the serene views of the bay, perfect for morning coffee or evening gatherings under the stars. The outdoor space is an extension of the easy lifestyle this home offers, allowing you to enjoy the tranquility of nature right at your doorstep. The property is not just a home; it's a lifestyle. Living in Tolchester Estates means embracing a community that values both privacy and connection, with the Chesapeake Bay as your backdrop. Enjoy leisurely strolls along the water, or indulge in water-oriented activities that the bay has to offer. This home is designed for those who appreciate easy living, with a commitment to quality evident in every detail. From the excellent condition of the property to the thoughtful selection of materials, this residence is a jewel. Don't miss the opportunity to own a piece of paradise in this exclusive bay block location. Experience the luxury, comfort, and lifestyle that await you in this remarkable home. Your dream of coastal living starts here. Within 5 minutes of a full-service marina and "The Shanty" for fun entertainment located on a beach right in front of the Chesapeake Bay. There are also community beaches, one is about two minutes from this cottage!

Highlights

Listed by Retha J Arrabal , 4108100010 Doug Ashley Realtors, LLC , 4108100010. Bright MLS

Property Type

Residential

Lot/Acreage
0.18

Year Built

2026

County

Kent

Neighborhood

Tolchester Estates

School District

Kent County Public Schools

Listing ID

MDKE2007194

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Built-In Microwave, Dishwasher, Exhaust Fan, Refrigerator, Stove, Water Conditioner - Owned, Water Heater, Water Dispenser
Air Cond:Central A/C
Fireplaces:
Floor:Luxury Vinyl Plank
Above Ground Sq Ft:1000
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Combination Kitchen/Dining, Combination Dining/Living
Water:Well

Exterior Features

Lot:Horse Property: No
Garage Capacity:1
Zoning:Critical Area Residential
Roof:Asphalt,Shingle
Others:
  • ▪ Additional:Excellent, Water
Sewer:Grinder Pump,Public Sewer
Parking Features:Garage - Side Entry,Attached Garage,1+ Spaces
Principal Interest
$2,196
Taxes
$159

Home Price

$400,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$80,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,196.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,196.44 $159.17 $0.00 $2,355.60
Yearly $26,357.25 $1,910.00 $0.00 $28,267.25
Total $790,717.38 $57,300.00 $0.00 $848,017.38
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Chestertown, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T11:13:36.000Z

© 2026 Bright MLS