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437 W Lewis Shore Rd , Elkton, MD 21921
$340,000
Est. Payment: $1,866.97/mo
3 Bed
2 Bath
1120 Sqft
Status: active | Days on site: 43
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House Description

Rarely available waterfront cottage in Lewis Shore! Tucked away beyond the woods and farmland on the outskirts of Elkton, this charming retreat offers the opportunity to enjoy a relaxed waterfront lifestyle at the top of the Elk River. Imagine starting your morning with coffee on the deck while taking in the peaceful surroundings. Spend the day fishing, boating and rafting up with friends, or cruise to a waterfront restaurant for lunch and live music. Then come home, unwind on the spacious waterside deck, and enjoy a beautiful sunset over the water. Originally built in the 1930s, this cottage has been enjoyed by the current owners as their summer retreat for the past 28 years. It has the charming atmosphere you would expect of a cottage built in that time period and includes 3 bedrooms, 2 baths and a very large waterside deck that is great for watching the sunsets. Recent improvements include a new well, new pressure tank and new HVAC system, all completed in 2025. The roof is approximately 12 years old, and most furnishings are included, making it even easier to begin enjoying your new retreat. A special opportunity to own a waterfront retreat in Lewis Shore—come experience the setting, the sunsets and the lifestyle for yourself! Parking is located in the field across the lane. Please see Inclusions/Exclusions for furnishings and other items included in the sale. CASH ONLY due to land-lease structure. Land is owned by Lewis Shore, Inc. Occupational Licensing Fee and Cottage Improvement Tax apply. Sellers will allow inspections; however, the property is being sold AS IS and sellers will make no repairs. Private community, no drive bys please.

Highlights

Listed by Michele Meyer Burch , 4109209730 Patterson-Schwartz-Middletown , 3022855100. Bright MLS

Property Type

Residential

Year Built

1935

County

Cecil

Neighborhood

Lewis Shore

School District

Cecil County Public Schools

Listing ID

MDCC2023160

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Ceiling Fan(s),Central A/C
Fireplaces:Brick,Gas/Propane,1 Fireplace
Floor:Carpet,Hardwood,Vinyl
Above Ground Sq Ft:1120
Other:
  • ▪ Main Floor Bedrooms:3
  • ▪ Additional:Attic, Bathroom - Tub Shower, Carpet, Cedar Closet(s), Combination Kitchen/Living, Floor Plan - Traditional, Kitchen - Eat-In, Water Treat System, Wood Floors
Water:Well

Exterior Features

Lot:SideYard(s),Not New Construction,Horse Property: No,Waterfront
Garage Capacity:4
Zoning:RM
Roof:Asphalt
Others:
  • ▪ Additional:Gutter System, Outbuilding(s), Good
Sewer:On Site Septic
Parking Features:Off Street,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$1,867
Taxes
$70

Home Price

$340,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$68,000
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:
$1,866.97

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,866.97 $70.17 $0.00 $1,937.14
Yearly $22,403.66 $842.00 $0.00 $23,245.66
Total $672,109.78 $25,260.00 $0.00 $697,369.78
Lender profile image
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.

IDX service by Blueroof 360

Data last updated: 2026-11-14T03:13:49.000Z

© 2026 Bright MLS