# 38 OSPREY Way, Elkton, MD 21921 > **TL;DR:** 4bd/4ba single family, $1,400,000 ($335/sqft), built 1995, 4,185 sqft. > Pool, Waterfront, 6-car garage. Est. $7,487/mo. Listed 237 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,400,000 | | Price/sqft | $335 | | Bedrooms | 4 | | Bathrooms | 3 full, 1 half | | Square Feet | 4,185 | | Year Built | 1995 | | Lot Size | 135,907 sqft (3.12 acres) | | Stories | 2 | | Garage | 6-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 237 | ## Why This Home Stands Out - **Pool** - Pool listed; type not specified - **Waterfront** - Waterfront location listed - **Large Garage** - 6-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $7,079 | | Estimated Insurance | $408 | | **Total** | **$7,487** | ## Key Amenities - Pool - Waterfront - 6-car garage ## Property Highlights - Built in 1995 - 3.12 acre lot - 2 stories - 6 parking spaces - Private pool - Waterfront ## Description ### Agent Description 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 dishwasher, and a newly built deck. The basement has been completely gutted and is ready to be finished. The home offers a spacious layout with unique features, including a primary bedroom with a loft and sliding glass doors that open to the deck, providing beautiful natural light and a relaxing connection to the outdoors. Another standout feature is the separate above-garage apartment/in-law suite, which includes a bedroom, bathroom, mini-kitchen, and private entrance, offering great potential for guests, extended family, or additional living space. The property also includes both an attached garage and a large detached garage, providing plenty of storage, parking, and workspace. Situated on 3.12 private acres along the water, the setting is truly the highlight-offering peaceful views, privacy, and plenty of space to make this property your own. The seller is unable to complete the remaining renovations, and the property is being sold in its current condition. With vision and finishing touches, this home could be transformed into an exceptional waterfront retreat. ## Location - **Address:** 38 OSPREY Way, Elkton, MD 21921 - **County:** CECIL - **Neighborhood:** ELK NECK - **Coordinates:** 39.51873, -75.91277 - **Google Maps:** https://www.google.com/maps?q=39.51873,-75.91277 ## Listing Agent - **Name:** Tonya Keener - **Brokerage:** Iron Valley Real Estate of Central PA - **Broker Phone:** (717) 344-5950 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/38-Osprey-Way_Elkton_MD_21921_M64403-87288?f=listhub&s=TRENDPA&m=MDCC2020600&c=propsimple) ## Photos ![38 OSPREY Way - Photo 1](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f4224867090r.jpg) ![38 OSPREY Way - Photo 2](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2448287175r.jpg) ![38 OSPREY Way - Photo 3](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f721479481r.jpg) ![38 OSPREY Way - Photo 4](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f4082684834r.jpg) ![38 OSPREY Way - Photo 5](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f1030965779r.jpg) ![38 OSPREY Way - Photo 6](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2514440095r.jpg) ![38 OSPREY Way - Photo 7](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2957799129r.jpg) ![38 OSPREY Way - Photo 8](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f1369246934r.jpg) ![38 OSPREY Way - Photo 9](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2510475003r.jpg) ![38 OSPREY Way - Photo 10](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f4155417889r.jpg) ![38 OSPREY Way - Photo 11](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2463693404r.jpg) ![38 OSPREY Way - Photo 12](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f1606568680r.jpg) ![38 OSPREY Way - Photo 13](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2084486552r.jpg) ![38 OSPREY Way - Photo 14](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f1521007593r.jpg) ![38 OSPREY Way - Photo 15](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2907898990r.jpg) ![38 OSPREY Way - Photo 16](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f4106513925r.jpg) ![38 OSPREY Way - Photo 17](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f3532247221r.jpg) ![38 OSPREY Way - Photo 18](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2494975673r.jpg) ![38 OSPREY Way - Photo 19](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f1231847058r.jpg) ![38 OSPREY Way - Photo 20](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f3028025359r.jpg) ![38 OSPREY Way - Photo 21](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2662896800r.jpg) ![38 OSPREY Way - Photo 22](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2476543658r.jpg) ![38 OSPREY Way - Photo 23](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f859922979r.jpg) ![38 OSPREY Way - Photo 24](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f3876425593r.jpg) ![38 OSPREY Way - Photo 25](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f3012129654r.jpg) ![38 OSPREY Way - Photo 26](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f2487594384r.jpg) ![38 OSPREY Way - Photo 27](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f1977285613r.jpg) ![38 OSPREY Way - Photo 28](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f1762750833r.jpg) ![38 OSPREY Way - Photo 29](http://lh.rdcpix.com/004da492d11a6f44149ce435ff084df1l-f4118272826r.jpg) --- **MLS#:** MDCC2020600 | **Updated:** 2026-10-20 **Source:** listhub *Copyright © 2026 Bright MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/38-osprey-way-elkton-md-21921-af8358900e564176b3e4c07647c0b21a) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/38-osprey-way-elkton-md-21921-af8358900e564176b3e4c07647c0b21a#listing", "url": "https://staging.propertysimple.ai/listing/38-osprey-way-elkton-md-21921-af8358900e564176b3e4c07647c0b21a", "name": "38 OSPREY Way, Elkton, MD 21921", "description": "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 dishwasher, and a newly built deck. The basement has been completely gutted and is ready to be finished. The home offers a spacious layout with unique features, including a primary bedroom with a loft and sliding glass doors that open to the deck, providing beautiful natural light and a relaxing connection to the outdoors. Another standout feature is the separate above-garage apartment/in-law suite, which includes a bedroom, bathroom, mini-kitchen, and private entrance, offering great potential for guests, extended family, or additional living space. The property also includes both an attached garage and a large detached garage, providing plenty of storage, parking, and workspace. Situated on 3.12 private acres along the water, the setting is truly the highlight-offering peaceful views, privacy, and plenty of space to make this property your own. The seller is unable to complete the remaining renovations, and the property is being sold in its current condition. 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