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4005 Lloyd Bowen , Saint Leonard, MD 20685
$1,099,000
Est. Payment: $5,849.34/mo
4 Bed
4 Bath
2818 Sqft
0.46 Acres
Status: active | Days on site: 79
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CBRB43 - 134436
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House Description

Welcome to an extraordinary Southern Living–inspired waterfront bungalow offering a rare blend of tranquility, luxury, and charm in pristine condition. Tucked away on a quiet, secluded road with only three homes, this exceptional property is surrounded by water and bordered by 25 acres of protected, unbuildable land, ensuring lasting privacy and breathtaking natural beauty. Ideally located less than an hour from Annapolis, Baltimore, Washington, D.C., and Northern Virginia—including Alexandria and Arlington—this home provides the perfect balance of peaceful waterfront living with easy access to major metropolitan conveniences. The 4-bedroom residence features 2 full baths and 2 half baths, with an open, airy design that captures stunning water views from virtually every window. The main level includes two bedrooms and showcases soaring cathedral ceilings, solid wood doors, and exceptional craftsmanship, while thoughtfully preserved elements from the original cottage add warmth, character, and a sense of nostalgia. The spacious kitchen is both elegant and functional, offering Silestone countertops, stainless steel appliances, white cabinetry, abundant counter space, a breakfast nook, and radiant heated flooring, with propane gas fueling both cooking and the home's heating system. The inviting family room centers around a striking fireplace and flows effortlessly onto a generous wraparound waterfront porch—perfect for relaxing or entertaining while taking in serene views. Built with quality and durability in mind, the home features a metal roof, Hardiplank exterior, and a warm, welcoming ambiance throughout. This is a true waterfront lifestyle property, where fishing, kayaking, boating, and crabbing are part of everyday life, and where comfort, craftsmanship, and natural beauty come together in perfect harmony.

Highlights

Listed by Jeannine M Wayson , 4105623178 Coldwell Banker Realty , 4102638686. Bright MLS

Property Type

Residential

Lot/Acreage
0.46

Year Built

2009

County

Calvert

Neighborhood

None Available

School District

Calvert County Public Schools

Listing ID

MDCA2026454

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:2
Appliances:Dishwasher, Dryer, Dryer - Electric, Exhaust Fan, Microwave, Oven - Self Cleaning, Oven/Range - Gas, Refrigerator, Six Burner Stove, Stainless Steel Appliances, Washer, Water Heater, ENERGY STAR Clothes Washer, ENERGY STAR Dishwasher, ENERGY STAR Refrigerator, Instant Hot Water, Range Hood, Water Heater - Tankless, Washer - Front Loading, Washer/Dryer Stacked, Indoor Grill, ENERGY STAR Freezer, Dryer - Front Loading, Cooktop
Air Cond:Ceiling Fan(s),Central A/C,Heat Pump(s)
Fireplaces:Brick,Mantel(s),1 Fireplace
Floor:Hardwood,Heated,Tile/Brick,Wood,Ceramic Tile,Slate
Above Ground Sq Ft:2818
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Bathroom - Stall Shower, Bathroom - Walk-In Shower, Ceiling Fan(s), Combination Dining/Living, Combination Kitchen/Dining, Combination Kitchen/Living, Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Country, Primary Bath(s), Primary Bedroom - Bay Front, Recessed Lighting, Upgraded Countertops, Walk-in Closet(s), Water Treat System, Wood Floors, Built-Ins, Attic, Kitchen - Eat-In, Kitchen - Gourmet, Pantry, No Pet Restrictions, Pets Allowed
Water:Well

Exterior Features

Lot:Fishing Available,Front Yard,Irregular,Landscaping,Level,No Thru Street,Premium,Rural,Secluded,Cleared,Adjoins - Open Space,Flood Plain,Open,Rear Yard,SideYard(s),Vegetation Planting,Year Round Access,Not New Construction,Horse Property: No,Waterfront
Garage Capacity:4
Zoning:RUR
Roof:Metal
Others:
  • ▪ Additional:Gutter System, Outside Shower, Private Beach, Excellent
Sewer:Private Septic Tank
Parking Features:Dirt Driveway,Shared Driveway,Unpaved,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$5,849
Taxes
$620

Home Price

$1,099,000

Loan Details

30 yrs
7%

Down Payment

20%
$219,800
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:
$5,849.34

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,849.34 $619.67 $0.00 $6,469.01
Yearly $70,192.07 $7,436.00 $0.00 $77,628.07
Total $2,105,762.23 $223,080.00 $0.00 $2,328,842.23
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Saint Leonard, 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: 2026-11-13T19:09:10.000Z

© 2026 Bright MLS