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112 Shell Cove Ct , Joppa, MD 21085
$580,000
Est. Payment: $3,184.83/mo
4 Bed
3 Bath
2475 Sqft
0.29 Acres
Status: pending | Days on site: 207
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House Description

Motivated Seller-Make your waterfront dream a reality! Welcome to this stunning 4-bedroom, 3-bath brick home on Rumsey Island, offering breathtaking water views and exceptional indoor-outdoor living. Designed with an open-concept layout on both the main level and fully finished lower level, this home is perfect for relaxing and entertaining. The beautifully crafted sunroom features cathedral ceilings and panoramic views of the water, filling the space with natural light and serenity. Step outside to enjoy 112 feet of prime waterfront, complete with a private 35-foot dock equipped with electric and water—ideal for boating enthusiasts. Multiple outdoor spaces, including two decks, a patio, and a charming gazebo, provide the perfect setting for gatherings or quiet moments by the water. The finished lower level adds incredible versatility with a cozy fireplace, wet bar, additional bedroom, full bath, and walk-out access to the backyard and waterfront. This pet-friendly home also includes thoughtful features like multiple doggie doors and a fenced area in back. Additional highlights include stainless steel appliances, built-in lighting throughout, fruit trees, a new bulkhead, tankless water heater, and new fencing for added privacy. With endless amenities and a setting that feels like a private retreat, this is a rare opportunity to own your own piece of waterfront paradise.

Highlights

Listed by Alissa V. Ringley , 6672760353 and Pamela Ringley , 4106529683 Weichert, Realtors - Diana Realty , 4108931200. Bright MLS

Property Type

Residential

Lot/Acreage
0.29

Year Built

1978

County

Harford

Neighborhood

Rumsey Island

School District

Harford County Public Schools

Listing ID

MDHR2053194

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Built-In Microwave, Dishwasher, Disposal, Dryer - Gas, Dryer - Front Loading, Refrigerator, Stainless Steel Appliances, Stove, Washer - Front Loading, Water Heater - Tankless
Air Cond:Central A/C
Fireplaces:Gas/Propane,2 Fireplaces
Floor:Hardwood,Ceramic Tile,Carpet
Above Ground Sq Ft:1762
Below Ground Sq Ft:713
Basement:Full,Fully Finished,Windows,Walkout Level
Other:
  • ▪ Main Floor Bedrooms:3
  • ▪ Additional:Crown Moldings, Floor Plan - Open, Kitchen - Eat-In, Primary Bath(s), Primary Bedroom - Bay Front, Recessed Lighting, Bathroom - Stall Shower, Bathroom - Tub Shower, Walk-in Closet(s), Wood Floors, Built-Ins, Carpet, Ceiling Fan(s), Combination Dining/Living, Kitchen - Island
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No,Waterfront
Lot Dimensions:85.00 x
Garage Capacity:3
Zoning:R3
Roof:Architectural Shingle
Others:
  • ▪ Additional:Boat Storage
Sewer:Public Sewer
Parking Features:Attached Carport,Driveway,On Street,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$3,185
Taxes
$405

Home Price

$580,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$116,000
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:
$3,184.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,184.83 $405.08 $0.00 $3,589.92
Yearly $38,218.01 $4,861.00 $0.00 $43,079.01
Total $1,146,540.21 $145,830.00 $0.00 $1,292,370.21
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Joppa, 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