For Sale: $1400000, 38 OSPREY WAY, ELKTON, MD, 21921

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Home/Real Estate/Cecil/Elkton/21921/Elk Neck/38 OSPREY WAY, ELKTON, MD, 21921

MLS# MDCC2020600Listed by Iron Valley Real Estate of Central PA

38 OSPREY WAY, ELKTON, MD 21921

$1,400,000Active

4Beds

3.1Baths

4,185Sq Ft

3.12Acres

About This Property

This waterfront property offers incredible potential and a rare opportunity to create something truly special. The home experienced storm damage several years ago, and while significant improvements have already been completed, the property is still in the process of being renovated and will require additional work to finish.
Recent updates include all new windows, new siding, a new roof, a new di…

Key Facts

StatusActive

MLS #MDCC2020600

Property TypeResidential

Days on Market219

Year Built1995

StyleContemporary

Levels / Stories2

New ConstructionNo

ConditionBelow Average

OwnershipFee Simple

Tax ID0805040965

ZoningNAR

Interior

Living Area4,185 sq ft

Above Grade Fin.3,630 sq ft

Below Grade Fin.555 sq ft

Interior FeaturesAttic, Built-Ins, Ceiling Fan(s), Central Vacuum, Crown Moldings, Curved Staircase, Family Room Off Kitchen, Intercom, Kitchen - Table Space, Primary Bath(s), Recessed Lighting, Store/Office, Walk-in Closet(s), Bar

AppliancesCooktop, Dishwasher, Dryer, Dryer - Electric, Exhaust Fan, Humidifier, Oven - Double, Washer, WaterHeater

FireplaceNo

BasementOther

LaundryLower Floor

FlooringCarpet, CeramicTile, Hardwood, Stone

Exterior & Lot

Lot Size3.12 acres

Lot FeaturesPrivate, Rural, Secluded

ConstructionFrame

FoundationBlock, Concrete Perimeter

Exterior FeaturesFlood Lights, Other

Other StructuresAbove Grade, Below Grade

FencingWood

PoolYes - Personal

WaterfrontYes

Water ViewYes

Water AccessYes

Navigable WaterYes

Parking

GarageYes

Garage Spaces6

Garage TypeAdditional Storage Area, Other

Total Parking6

Parking TypesDriveway, Detached Garage, Attached Garage

Parking FeaturesDirt Driveway

Utilities

HeatingYes

Heating TypeCentral, Forced Air, Hot Water

Heating FuelGeo-thermal, Natural Gas, Propane - Owned

Central AirNo

Cooling TypeOther

Cooling FuelElectric

Hot WaterElectric

Water SourceWell

SewerPrivate Septic Tank

Taxes & Assessment

Annual Taxes$12,386 / 2024

Assessed Value$1,183,700 / 2025

County Tax$12,326

Community & Schools

CountyCECIL-MD

SubdivisionELK NECK

School DistrictCECIL COUNTY PUBLIC SCHOOLS

HOANo

Senior CommunityNo

Location & Nearby Businesses

38 OSPREY WAY, ELKTON, MD, 21921

Get Driving Directions

Source: Real Estate Property Source Bright MLS

Est. Monthly Payment

$7,079/mo

Home Price$1,400,000

Down Payment (20%)$280,000

Loan Amount$1,120,000

Interest Rate (est.)6.50%

Loan Term30 Years

* Estimate reflects principal & interest only — excludes property taxes, homeowners insurance, mortgage insurance, and any HOA/condo dues if applicable, all of which affect your actual payment. Contact a mortgage professional for additional figures.