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For sale
    • Price cut: $200K (6/19)
    $1,400,000

    38 Osprey Way, Elkton, MD 21921

    4beds
    4,185sqft
    : 
    $9,078/mo
    Get pre-qualified
    Single Family Residence
    Built in 1995
    3.12 Acres Lot
    $1,777,800 Zestimate®
    $335/sqft
    $-- HOA

    What's special

    Waterfront propertyAttached garagePeaceful viewsNewly built deckNew sidingLarge detached garageBeautiful natural light
    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.
    160 days
    |
    1,348
    |
    33
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Tonya Keener 443-466-6462,

    Iron Valley Real Estate of Central PA (717) 344-5950

    Source: Bright MLS,MLS#: MDCC2020600MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      • Main level bathrooms: 2
      • Main level bedrooms: 1
      Rooms
      • Room types: Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Basement, Foyer, Great Room, Attic, Half Bath
      Primary bedroom
      • Level: Upper
      Bedroom 2
      • Level: Upper
      Bedroom 3
      • Level: Lower
      Other
      • Level: Upper
      Basement
      • Features: Basement - Finished
      • Level: Lower
      Dining room
      • Level: Main
      Family room
      • Level: Lower
      Foyer
      • Level: Main
      Great room
      • Level: Main
      Half bath
      • Level: Main
      Kitchen
      • Features: Kitchen Island, Wood Stove, Kitchen - Propane Cooking
      • Level: Main
      Heating
      • Central, Forced Air, Hot Water, Geothermal, Natural Gas, Propane
      Cooling
      • Other, Electric
      Appliances
      • Included: Cooktop, Dishwasher, Dryer, Exhaust Fan, Humidifier, Double Oven, Washer, Water Heater, Electric Water Heater
      • Laundry: Lower Level
      Features
      • Attic, Built-in Features, Ceiling Fan(s), Central Vacuum, Crown Molding, Curved Staircase, Family Room Off Kitchen, Kitchen - Table Space, Primary Bath(s), Recessed Lighting, Store/Office, Walk-In Closet(s), Bar, 2 Story Ceilings, Dry Wall
      • Flooring: Carpet, Ceramic Tile, Hardwood, Stone
      • Windows: Replacement
      • Basement: Other
      • Has fireplace: No
      Interior area
      • Total structure area: 5,850
      • Total interior livable area: 4,185 sqft
      • Finished area above ground: 3,630
      • Finished area below ground: 555

      Property

      Parking
      • Total spaces: 6
      • Parking features: Storage, Other, Driveway, Detached, Attached
      • Attached garage spaces: 6
      • Has uncovered spaces: Yes
      Accessibility
      • Accessibility features: >84" Garage Door
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Brick, Deck, Patio
      • Exterior features: Flood Lights, Other
      • Has private pool: Yes
      • Pool features: Heated, Fenced, In Ground, Private
      • Fencing: Wood
      • Has view: Yes
      • View description: River
      • Has water view: Yes
      • Water view: River
      • Waterfront features: River
      • Frontage length: Water Frontage Ft: 100
      Lot
      • Size: 3.12 Acres
      • Features: Private, Rural, Secluded
      Details
      • Additional structures: Above Grade, Below Grade
      • Parcel number: 0805040965
      • Zoning: NAR
      • Special conditions: Standard
      • Other equipment: Intercom

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Contemporary
      • Property subtype: Single Family Residence
      Materials
      • Frame
      • Foundation: Block, Concrete Perimeter
      Condition
      • Below Average
      • New construction: No
      • Year built: 1995

      Utilities & green energy

      • Sewer: Private Septic Tank
      • Water: Well

      Community & HOA

      Community
      • Security: Fire Alarm, Smoke Detector(s)
      • Subdivision: Elk Neck
      HOA
      • Has HOA: No
      Location
      • Region: Elkton

      Financial & listing details

      • Price per square foot: $335/sqft
      • Tax assessed value: $1,183,700
      • Annual tax amount: $12,386
      • Date on market: 3/5/2026
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,Conventional
      • Inclusions: All Appliances
      • Ownership: Fee Simple
      • Road surface type: Gravel

        Estimated market value

        $1,777,800

        $1.69M - $1.87M

        $3,867/mo

        Price history

        DateEventPrice
        6/19/2026Price change$1,400,000-12.5%$335/sqft
        Source: Bright MLS #MDCC2020600 Report a problem
        3/5/2026Listed for sale$1,600,000$382/sqft
        Source: Bright MLS #MDCC2020600 Report a problem
        3/5/2026Listing removed$1,600,000$382/sqft
        Source: Bright MLS #MDCC2019240 Report a problem
        10/2/2025Listed for sale$1,600,000$382/sqft
        Source: Bright MLS #MDCC2019240 Report a problem
        7/9/2025Listing removed$1,600,000$382/sqft
        Source: Bright MLS #MDCC2012376 Report a problem
        7/29/2024Price change$1,600,000-8.6%$382/sqft
        Source: Bright MLS #MDCC2012376 Report a problem
        6/17/2024Price change$1,750,000-2.8%$418/sqft
        Source: Bright MLS #MDCC2012376 Report a problem
        4/15/2024Listed for sale$1,800,000+63.6%$430/sqft
        Source: Bright MLS #MDCC2012376 Report a problem
        12/1/2020Listing removed$1,100,000$263/sqft
        Source: Long & Foster Real Estate, Inc. #MDCC170686 Report a problem
        8/23/2020Listed for sale$1,100,000+37.3%$263/sqft
        Source: Long & Foster Real Estate, Inc. #MDCC170686 Report a problem
        11/27/2019Listing removed$801,084$191/sqft
        Source: Auction.com Report a problem
        11/26/2019Price change$801,0840%$191/sqft
        Source: Auction.com Report a problem
        11/25/2019Price change$801,178+0.3%$191/sqft
        Source: Auction.com Report a problem
        11/24/2019Price change$798,890-0.1%$191/sqft
        Source: Auction.com Report a problem
        11/19/2019Price change$799,334+0.2%$191/sqft
        Source: Auction.com Report a problem
        11/18/2019Price change$797,436-5.2%$191/sqft
        Source: Auction.com Report a problem
        11/16/2019Price change$841,085-0.6%$201/sqft
        Source: Auction.com Report a problem
        11/13/2019Price change$845,7750%$202/sqft
        Source: Auction.com Report a problem
        11/12/2019Price change$846,041-0.1%$202/sqft
        Source: Auction.com Report a problem
        11/9/2019Price change$846,826-0.1%$202/sqft
        Source: Auction.com Report a problem
        11/7/2019Price change$847,469+6.9%$203/sqft
        Source: Auction.com Report a problem
        11/5/2019Listed for sale$792,627-0.1%$189/sqft
        Source: Auction.com Report a problem
        7/6/2018Listing removed$793,782+15.3%$190/sqft
        Source: Auction.com Report a problem
        6/13/2018Listed for sale$688,665+0.1%$165/sqft
        Source: Auction.com Report a problem
        2/10/2017Listing removed$687,941$164/sqft
        Source: Auction.com Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$13,014 +5.6%$1,183,700 +5.1%
        2024$12,326 +4.4%$1,126,300 +5.4%
        2023$11,805 +2%$1,068,900
        2022$11,574 +2.9%$1,068,900 +8.4%
        2021$11,243 +3.1%$986,300 +4.4%
        2020$10,900 +0.5%$945,000
        2019$10,845 +0.5%$945,000 +1%
        2018$10,791 -0.1%$935,600 +0.5%
        2017$10,797 +10.2%$930,900 +5.5%
        2016$9,798 +5.8%$882,500 +5.8%
        2015$9,258 -6.7%$834,100 +6.2%
        2014$9,923 $785,700
        2013-- $785,700
        2012-- $785,700 -17.9%
        2011-- $957,390
        2010-- $957,390
        2009-- $957,390 -33.7%
        2008-- $1,444,440 +19.9%
        2007-- $1,204,896 +24.8%
        2006-- $965,353 +33%
        2005-- $725,810 +13.2%
        2004-- $641,132 +15.2%
        2003-- $556,456 +17.9%
        2002-- $471,780 +2.4%
        2001-- $460,916
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 21921

        Getting around

        0 / 100
        Car-Dependent
        15 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: Cecil County Public Schools

        Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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