Yasmin Viera Love

38 Osprey Way

Elkton, MD
$ 1,400,000 Beds 4 Baths 3.5 Sq 4,185
Monthly Estimate* How much can I afford?

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 highlightoffering 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.

ACTIVE

  • Price
  • $ 1,400,000
  • City
  • Elkton
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • CECIL
  • Half Bathrooms
  • 1
  • Area
  • Lot Size
  • 3.12 Acres
  • Zip
  • 21921
  • Sqr Footage
  • 4,185
  • Year Built
  • 1995
  • Taxes
  • $ 12386
  • Style
  • Contemporary
  • MLS#
  • MDCC2020600
Listed By: Tonya Keener with Iron Valley Real Estate of Central PA - 7173445950;
Data Source: Bright MLS

Features

General

Living Area 4185
Sewer Private Septic Tank
Heating Central,Forced Air,Hot Water
Cooling Other
Possession 61-90 Days CD
Appliances Cooktop,Dishwasher,Dryer,Dryer - Electric,Exhaust Fan,Humidifier,Oven - Double,Washer,Water Heater
Zoning NAR
Garage Spaces 6.00
Patio/Porch Features Brick,Deck(s),Patio(s)
Architectural Style Contemporary
Pool Features Heated,Fenced,In Ground
Security Features Fire Detection System,Smoke Detector
Construction Materials Frame
School District CECIL COUNTY PUBLIC SCHOOLS
Year Built 1995
View River
Levels 2
Tax Year 2024
Ownership Fee Simple
Cool Fuel Electric
Accessibility >84 Garage Door
County CECIL
New Construction No
Property Type Residential
HOA No
Subdivision Name ELK NECK
Garage Y/N Yes
Water Access Y/N Yes
Other Structures Above Grade,Below Grade
Full Baths 3
Status ACTIVE
Directions MD-439 E,MD-152 S and I-95 N to Oldfield Point Rd in Cecil County Continue on Oldfield Point Rd. Take Dove Ln to Osprey Way
City ELKTON
Disclosures Prop Disclosure
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 135907.00
Tax Assessed Value 1183700.0
Tax Annual Amount 12386.0
Property Condition Below Average
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 1
Bathrooms Count Main Level 2.00
Price Per Sq Ft Total AG 385.67
Acceptable Financing Cash,Conventional
Additional Parcels Y/N No
Lease Considered Y/N No
Vacation Rental Y/N No
Total SQFT 5850
Location Type River
Standard Status Active
Year Built Source Estimated
Tax Lot 1
Association Recreation Fee No

Interior Features

Interior Amenities Attic,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),B
Heating Fuel Geo-thermal,Natural Gas,Propane - Owned
Basement Other
Flooring Carpet,Ceramic Tile,Hardwood,Stone
Hot Water Electric
Basement (Y/N) Yes
Heating Y/N Yes
Window Features Replacement
Fireplace Y/N No
Above Grade Finished Area 3630
Half Baths 1
Central Air Y/N No
Total Bedrooms 4
Below Grade Finished Area 555
Room Type Dining Room,Primary Bedroom,Bedroom 2,Bedroom 3,Kitchen,Family Room,Basement,Foyer,Great Room,Attic,Half Bath
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Estimated
Laundry Type Lower Floor
Below Grade Unfin Area Units Square Feet
Below Grade Unfin SQFT 1665
Below Grade Unfin SQFT Source Estimated
Below Grade Finished Area Source Estimated
Bedrooms Count All Lower Levels 2
Bedrooms Count All Upper Levels 1
Bedrooms Count Lower Level 1 2
Bedrooms Count Upper Level 1 1
Bathrooms Half Main Level 1
Bathrooms Full Upper Level 1 1
Bathrooms Full Lower Level 1 1
Bathrooms Full All Upper Levels 1
Bathrooms Full All Lower Levels 1
Bathrooms Count Upper Level 1 1.00
Bathrooms Count Lower Level 1 1.00
Bathrooms Count All Upper Levels 1
Bathrooms Count All Lower Levels 1
Above Grade Finished Area Source Estimated
Above Grade Finished Area Unit Type Square Feet
Total Baths 4

Exterior Features

Exterior Amenities Flood Lights,Other
Pool Yes - Personal
Fencing Wood
Parking Features Dirt Driveway
Lot Features Private,Rural,Secluded
Water Source Well
Inclusions All Appliances
Total Parking Spaces 6
Garage Features Additional Storage Area,Other
Type of Parking Driveway,Detached Garage,Attached Garage
Land Use Code R
Foundation Details Block,Concrete Perimeter
Spa No
Water View Y/N Yes
Lot Size Acres 3.12
Road Surface Type Gravel
Water Body Type River
Lot Size Source Estimated
Waterfront Y/N Yes
Road Responsibility Private
Land Assessed Value 613300.00
Navigable Water Y/N Yes
Water Oriented Y/N Yes
# of Attached Garage Spaces 2
# of Detached Garage Spaces 4

Room Details

Attic Upper 1
Basement Lower 1 Basement - Finished
Bedroom 2 Upper 1
Bedroom 3 Lower 1
Dining Room Main
Family Room Lower 1
Foyer Main
Great Room Main
Half Bath Main
Kitchen Main Island,Wood Stove,Kitchen - Propane Cooking
Primary Bedroom Upper 1

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Bel Air, MD office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

3/5/2026 Listed $1,600,000
6/19/2026 13% - $1,400,000

Property vs Zip Code Average in 21921

Price
AVG $500K
$1.4M
Taxes
AVG $4,305
$12,386
Year Built
AVG 1974
1995
Visits
AVG 214
416
Data Provided by Inside Real Estate®

Areas That We Cover

38 Osprey Way Elkton, MD is a Single Family Home for sale at $1400000 with 4185 sqft and a lot size of 3.12 Acres Acre(s). 38 Osprey Way Elkton has 4 bedrooms, 3 baths and was built in 1995. The property's zip code is 21921 which is in Elkton, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Yasmin Viera Love

Yasmin Viera Love

301-257-8851

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