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8630 Elm Rd , Chestertown, MD 21620
$419,900
Est. Payment: $2,305.71/mo
5 Bed
3 Bath
1936 Sqft
0.38 Acres
Status: active | Days on site: 85
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House Description

Enjoy the Eastern Shore as your weekend retreat at 8630 Elm Road. Calling all boaters, fishers, hunters, beachgoers, nature and recreation lovers, investors, and residential vacation-home seekers looking for a peaceful Eastern Shore getaway—with the waterfront lifestyle without the waterfront price. Located in the waterfront community of Tolchester Estates, this refreshed five-bedroom, 2.5-bath home offers approximately 1,936 square feet of flexible living space on about 0.38 acres. The fifth bedroom can serve as a home office, guest room or hobby space with 8 car driveway large enough for multiple families, a boat or RV. The home features stainless-steel appliances, a recently replaced washer, an approximately two-year-old water heater and an electric fireplace with custom floating shelves. Outside, enjoy the expanded deck, hot tub and fire pit. On crisp fall or winter evenings, gather around the fire for s’mores and hot chocolate. Tolchester Marina is about three blocks away, across the street from the home. The private marina welcomes visitors to its Shanty Bar, with seasonal live entertainment, and its on-site restaurant, where you can enjoy breakfast. Boating, kayaking and other water activities are nearby, and the community boat ramp is about one mile away. Local fishing charters operate from the marina; reservations and fees are separate. Transient slips may be available for overnight stays. Marina pool access is limited to eligible slip holders and overnight transient guests, subject to marina rules, fees and availability. Great Oak Landing—with its nine-hole executive golf course and Jellyfish Joel’s Beach Bar—is a 15-minute drive away. Enjoy the area’s natural setting, with opportunities to see deer and rabbits and listen to birdsong. Eastern Neck National Wildlife Refuge offers trails, wildlife viewing and seasonal deer hunts on designated days with a required refuge permit. Millington Wildlife Management Area offers about 4,000 acres of public hunting access, subject to Maryland DNR rules and season requirements. Downtown Rock Hall, with its seafood restaurants and waterfront dining, is about a 10-minute drive away. Enjoy a beach day at Ferry Park or explore Eastern Neck. Historic Chestertown is about 15 minutes away, where you can stroll the year-round Saturday farmers market, browse local vendors and bring home fresh seasonal produce. Make a day of exploring the area’s wineries, including Crow Vineyard and Broken Spoke Winery, and create your own Eastern Shore wine-tasting tour. Casa Carmen’s wine and tapas tasting room offers another inviting stop in Chestertown. Most furnishings are included, including the queen- and king-size Havertys bedroom sets, generally used mattresses approximately two to four years old, and the deck furniture. With flexible living space, outdoor gathering areas and convenient access to boating, fishing, hunting, golf, beaches, dining and nature, 8630 Elm Road is well suited to a full-time home or an Eastern Shore getaway. USDA 100% financing may be available to eligible buyers, subject to property eligibility, borrower qualification and lender approval.

Highlights

Listed by Lawrence M. Lessin , 3013556104 Save 6, Incorporated , 3013556104. Bright MLS

Property Type

Residential

Lot/Acreage
0.38

HOA Fee

50 Annually

Year Built

2006

County

Kent

Neighborhood

Tolchester Estates

School District

Kent County Public Schools

Listing ID

MDKE2006914

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Cooktop, Dishwasher, Dryer, Icemaker, Stainless Steel Appliances, Stove, Washer
Air Cond:Central A/C,Ceiling Fan(s)
Fireplaces:
Above Ground Sq Ft:1936
Other:
  • ▪ Additional:Attic, Built-Ins, Carpet, Ceiling Fan(s), Kitchen - Eat-In, Kitchen - Table Space, Primary Bath(s), Wood Floors, Formal/Separate Dining Room, Floor Plan - Open
Water:Well

Exterior Features

Lot:Backs to Trees,Landscaping,Not New Construction,Horse Property: No
Garage Capacity:9
Zoning:RR
Sewer:Public Sewer
Parking Features:Garage Door Opener,Inside Access,Driveway,Attached Garage,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$2,306
Taxes
$266
HOA
$50

Home Price

$419,900

Loan Details

30 yrs
7.312%

Down Payment

20%
$83,980
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:
$2,305.71

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,305.71 $266.08 $50.00 $2,621.79
Yearly $27,668.52 $3,193.00 $600.00 $31,461.52
Total $830,055.57 $95,790.00 $18,000.00 $943,845.57
Lender profile image
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: 2026-11-14T09:11:29.000Z

© 2026 Bright MLS