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sales rep | Brivity IDX

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38 Osprey Way , Elkton, MD 21921
$1,400,000
Est. Payment: $7,451.39/mo
4 Bed
4 Bath
4185 Sqft
3.12 Acres
Status: active | Days on site: 240
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IRONVALLEYBR2E - 3324639
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House Description

This waterfront property offers incredible potential and a rare opportunity to create something truly special. The home experienced storm damage several years ago, and while significant improvements have already been completed, the property is still in the process of being renovated and will require additional work to finish. Recent updates include all new windows, new siding, a new roof, a new dishwasher, and a newly built deck. The basement has been completely gutted and is ready to be finished. The home offers a spacious layout with unique features, including a primary bedroom with a loft and sliding glass doors that open to the deck, providing beautiful natural light and a relaxing connection to the outdoors. Another standout feature is the separate above-garage apartment/in-law suite, which includes a bedroom, bathroom, mini-kitchen, and private entrance, offering great potential for guests, extended family, or additional living space. The property also includes both an attached garage and a large detached garage, providing plenty of storage, parking, and workspace. Situated on 3.12 private acres along the water, the setting is truly the highlight—offering peaceful views, privacy, and plenty of space to make this property your own. The seller is unable to complete the remaining renovations, and the property is being sold in its current condition. With vision and finishing touches, this home could be transformed into an exceptional waterfront retreat.

Highlights

Listed by Tonya Keener , 4434666462 Iron Valley Real Estate of Central PA , 7173445950. Bright MLS

Property Type

Residential

Lot/Acreage
3.12

Year Built

1995

County

Cecil

Neighborhood

Elk Neck

School District

Cecil County Public Schools

Listing ID

MDCC2020600

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Dryer, Dryer - Electric, Exhaust Fan, Humidifier, Oven - Double, Washer, Water Heater
Floor:Carpet,Ceramic Tile,Hardwood,Stone
Above Ground Sq Ft:3630
Below Ground Sq Ft:555
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Attic, Built-Ins, Ceiling Fan(s), Central Vacuum, Crown Moldings, Curved Staircase, Family Room Off Kitchen, Intercom, Kitchen - Table Space, Primary Bath(s), Recessed Lighting, Store/Office, Walk-in Closet(s), Bar
Water:Well

Exterior Features

Lot:Private,Rural,Secluded,Not New Construction,Horse Property: No,Waterfront
Garage Capacity:6
Zoning:NAR
Others:
  • ▪ Additional:Flood Lights, Below Average
Sewer:Private Septic Tank
Parking Features:Dirt Driveway,Additional Storage Area,Driveway,Detached Garage,Attached Garage,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$7,451
Taxes
$1,032

Home Price

$1,400,000

Loan Details

30 yrs
7%

Down Payment

20%
$280,000
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:
$7,451.39

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,451.39 $1,032.17 $0.00 $8,483.55
Yearly $89,416.66 $12,386.00 $0.00 $101,802.66
Total $2,682,499.66 $371,580.00 $0.00 $3,054,079.66
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Elkton, 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.

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Data last updated: 2026-11-13T19:09:10.000Z

© 2026 Bright MLS