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626 Irvin Ave , Deale, MD 20751
$645,000
Est. Payment: $3,432.96/mo
3 Bed
2 Bath
1030 Sqft
0.2 Acres
Status: active | Days on site: 13
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SWRZ1 - 48430
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House Description

This remarkable home may be one of the most energy-efficient and thoughtfully renovated residences in South County. Behind its timeless cottage character lies a complete transformation that combines historic charm with modern construction, comfort, and performance. The home was carefully elevated approximately eight feet, allowing for the installation of proper foundations and the creation of a fully encapsulated, insulated, and climate-controlled crawl space. Unlike typical crawl spaces, this area features an above-grade concrete floor, requires no sump pump, and provides a clean, dry, and accessible environment beneath the home. Virtually every component of the house was rebuilt or replaced, including: All plumbing supply and drainage systems, Complete electrical wiring, fixtures, and outlets, All windows and exterior doors, Drywall, trim, and interior finishes, Flooring throughout, Roof structure and framing, Heating and cooling systems, Water heating and water conditioning systems. Interior living spaces were enhanced by raising the ceiling heights approximately two feet, creating bright, open rooms filled with natural light. New roof framing created attractive vaulted spaces and a more dramatic roof profile while preserving the cottage’s inviting character. A continuous layer of four-inch exterior foam insulation surrounds the foundation and crawl space, while the walls are heavily insulated with spray foam. The roof assembly incorporates approximately eight to ten inches of foam insulation, creating an exceptionally effective thermal envelope. The encapsulated crawl space features moisture protection beneath a four-inch concrete slab and maintains stable subterranean temperatures throughout the year. This helps naturally moderate indoor temperatures, reducing heating and cooling demands. A sophisticated climate-control system serves both the main level and upper level. The home features: Multiple high-efficiency Daikin ducted mini-split HVAC systems, Whole-house dehumidification, Energy-recovery fresh-air ventilation, Air-to-air heat exchange technology,The kitchen is equipped with premium professional-grade appliances valued at approximately $40,000, including: Wolf induction cooktop,Viking range hood with LED lighting and heat-sensing controls, Monogram column refrigerator, Double-drawer refrigerator, Custom dishwasher, Large frost-free upright freezer The finished home includes approximately 648 square feet of climate-controlled upper-level space with nine-foot ceilings. Currently accessed by a pull-down stair, this expansive area already includes electrical service and HVAC distribution, providing exceptional flexibility for future living space, studio use, home office needs, or guest accommodations. Property’s elevation was raised three feet. The property also includes an existing 12’ x 20’ garage/workshop building that serves as an ideal storage structure or future garage replacement opportunity. Situated on a generous lot with views of Rockhold Creek and just steps from community access to the Chesapeake Bay, the setting offers the best of South County waterfront living. If you’ve always dreamed of owning a charming historic cottage but worried about inheriting the problems that often accompany older homes, this property offers a rare opportunity. Nearly every major component has been rebuilt, modernized, and engineered for long-term performance—allowing you to enjoy the character and charm of a classic cottage with the comfort, efficiency, and reliability of modern construction.

Highlights

Listed by Julie A Harris , 4102717115 Schwartz Realty, Inc. , 3012619700. Bright MLS

Property Type

Residential

Lot/Acreage
0.2

Year Built

1955

County

Anne Arundel

Neighborhood

Owings Beach

School District

Anne Arundel County Public Schools

Listing ID

MDAA2160056

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Built-In Microwave, Dishwasher, Dryer, Exhaust Fan, Icemaker, Oven/Range - Electric, Oven - Self Cleaning, Range Hood, Refrigerator, Stainless Steel Appliances, Washer
Air Cond:Central A/C,Ductless/Mini-Split
Fireplaces:
Above Ground Sq Ft:1030
Other:
  • ▪ Main Floor Bedrooms:3
  • ▪ Additional:Attic, Combination Kitchen/Dining, Efficiency, Entry Level Bedroom, Floor Plan - Open, Kitchen - Gourmet, Window Treatments, Wood Floors, Stove - Wood, No Pet Restrictions, Pets Allowed
Water:Well

Exterior Features

Lot:Not New Construction,Horse Property: No
Garage Capacity:1
Zoning:R5
Sewer:Public Sewer
Parking Features:Garage - Front Entry,Driveway,Detached Garage,1+ Spaces
Principal Interest
$3,433
Taxes
$313

Home Price

$645,000

Loan Details

30 yrs
7%

Down Payment

20%
$129,000
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:
$3,432.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,432.96 $313.42 $0.00 $3,746.38
Yearly $41,195.53 $3,761.00 $0.00 $44,956.53
Total $1,235,865.92 $112,830.00 $0.00 $1,348,695.92
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Deale, 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: 2026-11-13T23:12:42.000Z

© 2026 Bright MLS