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12959 Harbor Rd , Ocean City, MD 21842
$4,395,000
Est. Payment: $24,133.35/mo
4 Bed
4 Bath
2725 Sqft
0.11 Acres
Status: active | Days on site: 152
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HARBR1 - 148922
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House Description

This West Ocean City waterfront home is all about the setting. The views, the boating access, and the location come together in a way that is hard to find. From multiple levels of the home, you can take in water views with sightlines toward the inlet, Assateague, and the Ocean City skyline. Custom built in 2003, the home offers 4 bedrooms, 4 baths, an open kitchen and living area with a wall of glass facing the water, generous bedroom spaces, two fireplaces, and an elevator serving every level, including the rooftop deck. The main living area is comfortable and easy to enjoy, with the kitchen, dining, and living spaces all centered around the view. The primary suite has its own fireplace, great natural light, water views, a custom bathroom, and an additional walk-in dressing room/closet. Outdoor space is a major part of the property, with five separate seating areas including covered and uncovered balconies, a waterside deck, and a rooftop deck. For boating, the property includes two boat slips with lifts, one set up for Jet-Skis and the other a boat, giving you direct access to the surrounding waterways. You are also close to restaurants, marinas, beaches, shopping, entertainment, and everything that makes West Ocean City such a convenient coastal location. If you are looking for a waterfront home with views, usable outdoor space, boating access, and a true West Ocean City location, this one is worth a closer look.

Highlights

Listed by Nicholas G. Schiaffino , 3025861000 Harbor Living , 3025861000. Bright MLS

Property Type

Residential

Lot/Acreage
0.11

Year Built

2003

County

Worcester

Area

West Ocean City (85)

Neighborhood

Ocean City Harbor

School District

Worcester County Public Schools

Listing ID

MDWO2038658

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Negotiable
Above Ground Sq Ft:2725
Other:
  • ▪ Additional:Crown Moldings, Dining Area, Elevator, Breakfast Area, Built-Ins, Carpet, Ceiling Fan(s), Combination Kitchen/Dining, Combination Kitchen/Living, Combination Dining/Living, Family Room Off Kitchen, Floor Plan - Open, Primary Bedroom - Bay Front, Primary Bedroom - Ocean Front, Recessed Lighting, Spiral Staircase, Wood Floors, Window Treatments, No Pet Restrictions, Pets Allowed
Water:Public

Exterior Features

Lot:Fishing Available,Premium,Not New Construction,Horse Property: No,Waterfront
Lot Dimensions:0.00 x 0.00
Garage Capacity:4
Zoning:R-5
Others:
  • ▪ Additional:Roof Deck, Exterior Lighting, Excellent
Sewer:Public Sewer
Parking Features:Garage - Front Entry,Garage Door Opener,Basement Garage,Inside Access,Oversized,Additional Storage Area,Attached Garage,Driveway,On Street,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$24,133
Taxes
$1,050

Home Price

$4,395,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$879,000
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:
$24,133.35

Principal

Taxes

Principal Taxes HOA Total
Monthly $24,133.35 $1,049.67 $0.00 $25,183.02
Yearly $289,600.24 $12,596.00 $0.00 $302,196.24
Total $8,688,007.26 $377,880.00 $0.00 $9,065,887.26
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: 2026-11-14T11:13:36.000Z

© 2026 Bright MLS