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12903 Windy Dr , Ocean City, MD 21842
$9,500,000
Est. Payment: $50,562.99/mo
6 Bed
5 Bath
8638 Sqft
37 Acres
Status: active | Days on site: 92
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270HRE - 3255728,3292630
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House Description

This 37-acre Waterfront Estate in the desirable West Ocean City Community of Captains Hill stands among Worcester County’s true legacy properties. A rare combination of Coastal Luxury, privacy, acreage and future opportunity. Set on a expansive rise overlooking the bay, the Estate commands sweeping water and skyline views that shift elegantly from sunrise to the golden glow of sunset. A long driveway leads you to the 8000+ Sq Ft Coastal Residence, a grand yet serene retreat surrounded by park-like grounds and mature landscape that creates an atmosphere of total privacy. The main Estate and grounds encompass 27 acres that feature a diverse landscape designed for both beauty and functionality. Such highlights include a 3-acre freshwater pond that anchors the properties tranquil setting, an outdoor pool with surrounding deck ideal for families and entertaining, an expansive lawn for gatherings and pets, a large covered porch perfect for enjoying the broad water views and nature, covered parking entrance and a three-car garage. The residence itself offers the architectural presence and scale expected of a Coastal Estate of this magnitude, with generous living spaces, impressive ceiling heights and endless potential for customization or enhancement. In addition, this Estate offers additional parcels and development potential that allows for flexibility for future use. Included in the offering is a 2.73-acre Waterfront Lot and 20 plated lots with their own road frontage. This rare land portfolio provides exceptional opportunities, ideal for a private compound, multi-generational retreat, curated development or long-term investment that makes this property uniquely valuable. Opportunities of this size, location and versatility rarely ever come to market. With commanding views, coastal proximity, and expansive acreage, this Captain’s Hill Estate stands as one of the region’s premier offerings, a property with both present-day grandeur and limitless future potential. A Coastal Treasure without equal.

Highlights

Listed by Jay Phillips , 4107268631 and Denise A Milko , 4104307188 Holiday Real Estate , 4105247700. Bright MLS

Property Type

Residential

Lot/Acreage
37

Year Built

1985

County

Worcester

Area

West Ocean City (85)

Neighborhood

Captains Hill

School District

Worcester County Public Schools

Listing ID

MDWO2039854

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Icemaker, Microwave, Oven - Double, Refrigerator, Washer, Water Heater, Dryer - Electric
Air Cond:Central A/C
Fireplaces:Stone,2 Fireplaces
Floor:Wood
Above Ground Sq Ft:8638
Basement:Interior Access,Rear Entrance
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Built-Ins, Crown Moldings, Dining Area, Floor Plan - Open, Formal/Separate Dining Room, Kitchen - Eat-In, Kitchen - Island, Primary Bedroom - Bay Front, Walk-in Closet(s), Wood Floors, Additional Stairway
Water:Private

Exterior Features

Lot:Not New Construction,Horse Property: No,Waterfront
Garage Capacity:3
Zoning:A
Roof:Shake,Wood
Sewer:Public Sewer
Parking Features:Garage Door Opener,Inside Access,Oversized,Attached Garage,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$50,563
Taxes
$1,430

Home Price

$9,500,000

Loan Details

30 yrs
7%

Down Payment

20%
$1,900,000
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:
$50,562.99

Principal

Taxes

Principal Taxes HOA Total
Monthly $50,562.99 $1,429.58 $0.00 $51,992.57
Yearly $606,755.88 $17,155.00 $0.00 $623,910.88
Total $18,202,676.27 $514,650.00 $0.00 $18,717,326.27
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Ocean City, 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: 2026-11-14T01:13:51.000Z

© 2026 Bright MLS