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3632 Bay Dr , Middle River, MD 21220
$649,000
Est. Payment: $3,454.25/mo
4 Bed
5 Bath
3056 Sqft
0.4 Acres
Status: active | Days on site: 155
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RMA13 - 67683
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House Description

Custom Water-view Home Featuring a Full-House Elevator, Two Primary Suites, Four Private Bedroom Retreats, and Over 3,000 Square Feet of Flexible Living Space & 4 + Car GarageFull House ElevatorMulti-generational layout with two primary suit Water views of the Chesapeake Bay and around the corner to MarinaRare opportunity to own a custom-designed water-view home offering over 3,000 square feet of flexible living space, a full-house elevator, and an ideal layout for multi-generational living. HOME WARRANTY OFFERED From the moment you arrive, you'll appreciate the expansive covered front porch, where peaceful water views create the perfect setting for morning coffee, evening sunsets, or relaxing with family and friends. Inside, soaring cathedral ceilings, hardwood flooring, and an open-concept design create a bright and welcoming atmosphere designed for both everyday living and entertaining. The heart of the home is the spacious kitchen featuring granite countertops, a large center island, abundant cabinetry, and seamless flow into the dining and living areas. The main level also includes a private primary suite with a full bath and convenient laundry, providing true one-level living when desired utilizing dual-zoned HVAC systems. A full-house elevator offers effortless access to every floor, making this home ideal for aging in place, extended family living, or anyone seeking long-term convenience and accessibility. The upper level features a second luxurious primary suite complete with a sitting area, walk-in closets, and a private bath. Two additional bedrooms each offer their own en-suite bathrooms, creating exceptional privacy and comfort for family members, guests, or multi-generational households. Outdoor living is equally impressive. Enjoy entertaining on a covered rear deck overlooking the private backyard or kick back & relax in a hammock shaded by mature trees, Plenty room in the wrap-around driveway for boats, RV's, or a basketball court. Trex decking and low-maintenance vinyl railings allow you to spend more time enjoying your home and less time maintaining it Properties offering this combination of space, accessibility, privacy, water views, and flexible living arrangements are rarely available. Whether you're searching for a forever home, a multi-generational retreat, or a property designed to adapt to your lifestyle for years to come, this one delivers. Flood insurance currently estimated at approximately $550 annually. Schedule your private showing today and discover why this one-of-a-kind home stands apart from anything else on the market.

Highlights

Listed by Victoria L Hupfeld , 4102410221 RE/MAX Advantage Realty , 4103916900. Bright MLS

Property Type

Residential

Lot/Acreage
0.4

Year Built

2006

County

Baltimore

Neighborhood

Bowleys Quarters

School District

Baltimore County Public Schools

Listing ID

MDBC2164602

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Dryer, Built-In Microwave, Washer, Cooktop, Dishwasher, Exhaust Fan, Refrigerator, Icemaker, Oven - Single, Oven - Wall, Range Hood
Air Cond:Central A/C
Fireplaces:
Floor:Hardwood
Above Ground Sq Ft:3056
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Combination Dining/Living, Elevator, Entry Level Bedroom, Primary Bath(s), Upgraded Countertops, WhirlPool/HotTub, Wood Floors
Water:Public

Exterior Features

Lot:Backs to Trees,Cleared,Level,Partly Wooded,Rear Yard,Not New Construction,Horse Property: No
Lot Dimensions:1.00 x
Garage Capacity:12
Zoning:RES
Others:
  • ▪ Additional:Flood Lights, Excellent
Sewer:Public Sewer
Parking Features:Asphalt Driveway,Garage Door Opener,Garage - Front Entry,Attached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$3,454
Taxes
$580

Home Price

$649,000

Loan Details

30 yrs
7%

Down Payment

20%
$129,800
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:
$3,454.25

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,454.25 $580.42 $0.00 $4,034.67
Yearly $41,451.01 $6,965.00 $0.00 $48,416.01
Total $1,243,530.20 $208,950.00 $0.00 $1,452,480.20
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Middle River, 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: 2026-11-13T17:14:43.000Z

© 2026 Bright MLS