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2980 Elsa Ave , Waldorf, MD 20603
$610,000
Est. Payment: $3,246.68/mo
4 Bed
4 Bath
3659 Sqft
0.26 Acres
Status: active | Days on site: 52
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SAMP17 - 105153
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House Description

ROOM TO LIVE, SPACE TO UNWIND, AND POSSIBILITIES TO MAKE IT YOUR OWN! Welcome to 2980 Elsa Avenue, a spacious 4-bedroom home offering an inviting open layout, comfortable living spaces, and room to enjoy life at home. Step inside and discover a floor plan that brings everyday living and entertaining together. The main level features a bright living room, formal dining room, eat-in kitchen with updated appliances, and a welcoming family room with a cozy fireplace. A separate home office provides additional flexibility for work, hobbies, or creative space. Upstairs, the oversized owner's suite with sitting is a standout feature, offering plenty of room to create your own relaxing retreat. The private ensuite bath includes a soaking tub, separate shower, and double vanity. Three additional bedrooms complete the upper level. Looking for even more room? The fully finished basement opens the door to possibilities! Imagine a home theater for movie nights, a recreation room, a fitness area, or a combination of spaces designed around your lifestyle. With a full bathroom already in place, this level adds valuable flexibility. Outside, the fenced backyard and patio offer space for outdoor dining, gardening, entertaining, or simply enjoying a quiet afternoon. Thoughtful improvements, including updates to the roof, HVAC system, windows, and kitchen, add to the home's appeal. BONUS: Located in a USDA-eligible area, this property may qualify for USDA financing, including a potential no-down-payment option for eligible buyers, subject to lender and program requirements. Come explore the space, imagine the possibilities, and discover what 2980 Elsa Avenue has to offer. Schedule your private tour today!

Highlights

Listed by Janell M McIlwain , 2408820366 Samson Properties , 7033788810. Bright MLS

Property Type

Residential

Lot/Acreage
0.26

HOA Fee

102 Annually

Year Built

2002

County

Charles

Neighborhood

Settle Woods Sub

School District

Charles County Public Schools

Listing ID

MDCH2058892

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Oven/Range - Electric, Refrigerator, Washer, Water Heater
Air Cond:Central A/C
Fireplaces:1 Fireplace
Above Ground Sq Ft:2703
Below Ground Sq Ft:956
Basement:Fully Finished,Outside Entrance,Rear Entrance,Walkout Stairs
Other:
  • ▪ Additional:Attic, Bar, Bathroom - Soaking Tub, Bathroom - Walk-In Shower, Breakfast Area, Built-Ins, Butlers Pantry, Carpet, Ceiling Fan(s), Chair Railings, Crown Moldings, Dining Area, Family Room Off Kitchen, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Eat-In, Kitchen - Island, Pantry, Primary Bath(s), Upgraded Countertops, Walk-in Closet(s), Wet/Dry Bar, Wood Floors
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:WCD
Sewer:Public Septic,Public Sewer
Parking Features:Paved Driveway,Public,Garage - Front Entry,Attached Garage,Driveway,Off Street,2+ Spaces,1+ Spaces

Open House

Upcoming Open Houses
Saturday 1:00 pm - 3:00 pm Nov 14
Principal Interest
$3,247
Taxes
$546
HOA
$102

Home Price

$610,000

Loan Details

30 yrs
7%

Down Payment

20%
$122,000
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:
$3,246.68

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,246.68 $545.50 $102.00 $3,894.18
Yearly $38,960.11 $6,546.00 $1,224.00 $46,730.11
Total $1,168,803.42 $196,380.00 $36,720.00 $1,401,903.42
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Waldorf, 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: 2026-11-13T21:11:33.000Z

© 2026 Bright MLS