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1540 Avenue D , St Leonard, MD 20685
$395,000
Est. Payment: $2,102.36/mo
5 Bed
2 Bath
1850 Sqft
0.37 Acres
Status: active under contract | Days on site: 10
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House Description

BIGGER THAN IT APPEARS and full of UNIQUE CHARACTER AND CHARM, this MOVE-IN READY RANCH HOME offers an UPDATED INTERIOR, plenty of space, and access to your own private community BEACH ON THE BAY, just over a block away! ✨ ANOTHER HUGE BONUS—FULLY OWNED, PAID-OFF SOLAR PANELS mean VERY LOW ELECTRIC BILLS, with no leases or contracts! ✨ Located in sought-after, water-privileged CALVERT BEACH, this home sits on a large 1/3+ ACRE CORNER LOT with NO HOA! ✨ INTERIOR HIGHLIGHTS: FIVE MAIN-LEVEL BEDROOMS • FRESH PAINT THROUGHOUT • SPACIOUS OPEN-CONCEPT GREAT ROOM with newly REFINISHED SOLID HARDWOOD FLOORS • Whitewashed brick FIREPLACE with a 150-year-old timber mantel and wood-stove insert • NO WALL-TO-WALL CARPETING ANYWHERE! ✨ The EXTRA-LARGE GOURMET KITCHEN boasts abundant cabinetry, granite counters, a HUGE CENTER ISLAND, WALK-IN PANTRY, and stainless appliances, including DOUBLE OVENS, a 5-BURNER COOKTOP, and DOUBLE-WIDE REFRIGERATOR! The adjoining dining area features a sunny bow window, while the adjacent hallway nook area offers flexible space for an office, library, or sitting area. ✨ The PRIMARY SUITE features a REMODELED ENSUITE BATH, LARGE WALK-IN CLOSET, and access to the EXPANSIVE DECK with seasonal PEEK-A-BOO BAY VIEWS! Another bedroom and full bath share this wing, while three additional cozy bedrooms are tucked away on the opposite side for privacy. ✨ The unfinished WALK-OUT BASEMENT offers laundry, LOTS OF STORAGE, and potential for future finished living space. (NOTE: the Seller will consider having the LAUNDRY MOVED TO THE FIRST FLOOR with the right offer!!) ✨ OUTDOOR HIGHLIGHTS: Large, LEVEL, FENCED BACKYARD • EXPANSIVE DECK • STORAGE SHED • AMPLE OFF-STREET PARKING! ✨ Another noteworthy feature: This home has been professionally inspected and tested for lead-based paint and is CERTIFIED LEAD-FREE! ✨ Enjoy MULTIPLE COMMUNITY BEACHES and a BOAT LAUNCH through the Calvert Beach Civic Association for a small voluntary annual fee—currently just $70, with an optional parking/boat-launch key available for a one-time $17 fee. NO HOA! Flag Harbor Marina is also minutes away. ✨ Enjoy the relaxed SOUTHERN MARYLAND LIFESTYLE with its highly rated CALVERT COUNTY SCHOOLS, and wonderful LIFE BY THE BAY! Convenient to Prince Frederick for shopping and dining, and easy commuting to PAX RIVER, ANDREWS AFB, and WASHINGTON, D.C., with local Park & Ride commuter buses. ✨ Mortgage savings may be available for buyers of this listing! SCHEDULE YOUR TOUR TODAY

Highlights

Listed by Phyllis Elsner , 4103704930 Redfin Corp , 4102028454. Bright MLS

Property Type

Residential

Lot/Acreage
0.37

Year Built

1969

County

Calvert

Neighborhood

Calvert Beach Estates

School District

Calvert County Public Schools

Listing ID

MDCA2030710

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Cooktop, Dishwasher, Dryer - Front Loading, Oven - Double, Range Hood, Washer - Front Loading, Refrigerator
Air Cond:Heat Pump(s)
Fireplaces:Brick,1 Fireplace
Floor:Ceramic Tile,Hardwood,Laminate Plank
Above Ground Sq Ft:1850
Basement:Unfinished
Other:
  • ▪ Main Floor Bedrooms:5
  • ▪ Additional:Bathroom - Walk-In Shower, Bathroom - Tub Shower, Ceiling Fan(s), Crown Moldings, Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Gourmet, Kitchen - Island, Pantry, Recessed Lighting, Stove - Wood, Upgraded Countertops, Wood Floors
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No
Zoning:R
Roof:Architectural Shingle
Sewer:Private Septic Tank
Parking Features:Driveway
Principal Interest
$2,102
Taxes
$362

Home Price

$395,000

Loan Details

30 yrs
7%

Down Payment

20%
$79,000
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:
$2,102.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,102.36 $362.08 $0.00 $2,464.44
Yearly $25,228.27 $4,345.00 $0.00 $29,573.27
Total $756,848.12 $130,350.00 $0.00 $887,198.12
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (St 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: 2026-11-13T23:12:42.000Z

© 2026 Bright MLS