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5050 Williams Wharf Rd , St Leonard, MD 20685
$749,000
Est. Payment: $3,986.49/mo
5 Bed
4 Bath
4057 Sqft
2.18 Acres
Status: active | Days on site: 8
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House Description

Captivating Custom-Built Victorian Oasis Just Over 2 Acres! Welcome to this captivating, custom-built Victorian home in the quaint town of Saint Leonard. Approached via a long, paved circular driveway, this incredibly well-constructed 5-bedroom home blends gorgeous traditional finishes with massive financial perks, including a fully owned solar array and a remarkably low assumable mortgage! Step inside to find gleaming hardwood floors flowing throughout the main and upper levels. The light-filled formal living room boasts a soaring cathedral ceiling, while extensive custom chair railing, crown molding, and custom door and window frames elevate the home's character. The beautiful eat-in kitchen features granite countertops, a tile backsplash, ample cabinet space, and a dining area that opens through French doors to a newly resurfaced deck featuring brand-new boards and railings—perfect for seamless indoor-outdoor entertaining. Enjoy the ultimate convenience and privacy of a main-level owner's suite, complete with a walk-in closet, highly sought-after direct access to the laundry room, and a luxurious spa bathroom. This private retreat features a corner jetted tub, double vanities, and beautiful current-owner upgrades, including an all-glass and tile shower alongside maintenance-free flooring. The upper level features a charming built-in bookshelf at the landing, along with three large bedrooms and a full bathroom with double sinks. The fully finished lower level offers an incredible in-law apartment or second living quarters with its own private entrance. This highly desirable space—with a rental potential of $1,800/month—includes a full kitchen equipped with a fully functioning antique-style stove, a full bathroom, a spacious living room, and the home's fifth bedroom. Step right outside the in-law suite to relax on a beautiful stone patio complete with a pergola. Your private outdoor oasis awaits! Spend your summers enjoying the above-ground pool, newly upgraded with a saltwater generator for maintenance-free fun. The sprawling yard also features a relaxing outdoor gazebo, a garden shed with a garage door for your mower and tools, an oversized and fully insulated 2-car detached garage, and two high-canopy carports providing covered parking for additional vehicles. Unbeatable Buyer Bonuses: Fully Owned Solar Array: A massive 52-panel ground-mounted solar system conveys with the home—meaning absolutely zero lease payments! This system has saved the current owners $29,000 over four years, with spring, summer, and fall energy bills averaging just $11 (and sometimes producing more energy than used, resulting in negative bills!). Assumable Loan: An incredibly rare opportunity to assume a 2.875% interest rate for both veterans and non-veterans (please inquire on the balance). This private retreat truly has it all—charm, modern upgrades, rental income potential, and unmatched energy efficiency. Schedule your showing today! “Some photos are virtually staged”

Highlights

Listed by Kim Gosnell , 5712219912 Redfin Corp , 4102028454. Bright MLS

Property Type

Residential

Lot/Acreage
2.18

Year Built

1993

County

Calvert

Neighborhood

None Available

School District

Calvert County Public Schools

Listing ID

MDCA2031070

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Stainless Steel Appliances, Built-In Microwave, Stove, Dishwasher, Refrigerator, Icemaker
Air Cond:Heat Pump(s)
Fireplaces:1 Fireplace
Above Ground Sq Ft:2900
Below Ground Sq Ft:1157
Basement:Fully Finished
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Wood Floors, Crown Moldings, Chair Railings, Entry Level Bedroom, Primary Bath(s), Bathroom - Soaking Tub, Ceiling Fan(s), Upgraded Countertops, Kitchen - Eat-In, Family Room Off Kitchen, Built-Ins, 2nd Kitchen, Combination Kitchen/Dining
Water:Well

Exterior Features

Lot:Not New Construction,Horse Property: No
Garage Capacity:6
Zoning:RUR
Sewer:Private Sewer
Parking Features:Paved Driveway,Garage - Side Entry,Detached Carport,Detached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$3,986
Taxes
$595

Home Price

$749,000

Loan Details

30 yrs
7%

Down Payment

20%
$149,800
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:
$3,986.49

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,986.49 $595.08 $0.00 $4,581.58
Yearly $47,837.91 $7,141.00 $0.00 $54,978.91
Total $1,435,137.32 $214,230.00 $0.00 $1,649,367.32
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