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sales rep | Brivity IDX

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12820 Whisper Trace Dr , West Ocean City, MD 21842
$535,000
Est. Payment: $2,937.73/mo
4 Bed
5 Bath
2839 Sqft
0.24 Acres
Status: active under contract | Days on site: 3
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OCON5 - 3256402
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House Description

Estate Sale - Sold Strictly As-Is! Welcome to Oyster Harbor, one of the area's most desirable communities. This spacious Cape Cod-style home offers 2,839 square feet of living space with 4 bedrooms and 4.5 bathrooms, providing plenty of room for family, guests, and entertaining. Situated on a .24-acre lot, the property features an attached garage, ample driveway parking, and a flexible floor plan ready for your personal touch. Priced to sell, this estate property presents an outstanding opportunity for buyers looking to build equity and create their dream home. While the home would benefit from cosmetic updates, it offers generous room sizes, solid construction, and endless potential to make it your own homestead. Residents of Oyster Harbor enjoy access to community amenities, including a pool and beautifully maintained common areas, all while being conveniently located near shopping, dining, marinas, golf courses, and area beaches. Whether you're seeking a primary residence, vacation retreat, or investment opportunity, this home offers exceptional value in a sought-after community. Property is being sold As-Is. Bring your vision and unlock the full potential of this Oyster Harbor gem!

Highlights

Listed by Nicholas A Elko , 4432534304 O'Conor, Mooney & Fitzgerald , 4104494900. Bright MLS

Property Type

Residential

Lot/Acreage
0.24

HOA Fee

425 Quarterly

Year Built

1995

County

Worcester

Area

West Ocean City (85)

Neighborhood

Oyster Harbor

School District

Worcester County Public Schools

Listing ID

MDWO2042452

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Air Cond:Central A/C
Fireplaces:
Above Ground Sq Ft:2839
Other:
  • ▪ Main Floor Bedrooms:4
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:R-2
Sewer:Public Sewer
Parking Features:Additional Storage Area,Built In,Garage - Front Entry,Garage Door Opener,Attached Garage,Driveway,Off Street,2+ Spaces,1+ Spaces
Principal Interest
$2,938
Taxes
$360
HOA
$425

Home Price

$535,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$107,000
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:
$2,937.73

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,937.73 $359.50 $425.00 $3,722.23
Yearly $35,252.82 $4,314.00 $5,100.00 $44,666.82
Total $1,057,584.50 $129,420.00 $153,000.00 $1,340,004.50
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (West 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: 2026-11-14T07:10:58.000Z

© 2026 Bright MLS