Curious about this home?

Ask anything — no agents, no pressure

Try asking

About This Home

This 4-bedroom, 4-bathroom single family at 38 OSPREY Way in ELKTON, MD is listed for $1,600,000 ($382 per sqft). Built in 1995, the home offers 4,185 sqft of living space on a 3.12 acres lot.

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.

Key Features

  • Built in 1995
  • 3.12 acre lot
  • 2 stories
  • 6 parking spaces
  • Private pool
  • Waterfront

Property Details

2 stories
3 full, 1 half
6 spaces
1995

Amenities

PoolWaterfront

Monthly Cost Estimate

$8,557/mo

20% down · 6.5% · 30 years

Principal$1,157
Interest$6,933
Insurance$467

Estimates only. Actual payments may vary.

Location

38 OSPREY Way

ELKTON, MD 21921

ELK NECK

Features & Amenities

Interior Features

AtticBuilt-InsCeiling Fan(s)Central VacuumCrown MoldingsCurved StaircaseFamily Room Off KitchenIntercomKitchen - Table SpacePrimary Bath(s)Recessed LightingStore/OfficeWalk-in Closet(s)Bar

Property Details

Construction

Frame

Parking

Garage - AttachedGarage - DetachedDriveway

Heating

Forced AirCentralHot Water(Heating)

Appliances

CooktopDishwasherDryerDryer - ElectricExhaust FanHumidifierOven - DoubleWasherWaterHeater

Questions & Answers

This 4-bedroom, 4-bathroom single family at 38 OSPREY Way is listed at $1,600,000 ($382/sqft). The estimated monthly payment is $6,933 based on 20% down at 6.5% interest.

Key features include: Built in 1995, 3.12 acre lot, 2 stories, 6 parking spaces, Private pool, Waterfront. Interior Features: Attic, Built-Ins, Ceiling Fan(s).

This property is listed by Tonya Keener and can be reached at 4434666462 or tonya@tonyakeener.realtor.

Similar Homes in ELKTON

View all
TK

Tonya Keener

Agent at Iron Valley Real Estate of Central PA

(443) 466-6462

Listed by Iron Valley Real Estate of Central PA · View on Broker Site

MLS# MDCC2020600· Source: listhub· Updated 36 days ago

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.

38 OSPREY Way, ELKTON, MD 21921

Open this listing in: