PRICE ADJUSTMENT!!!! Get ready to spend your summer by the water. Welcome to an extraordinary Southern Living–inspired waterfront bungalow offering a rare blend of tranquility, luxury, and charm in pristine condition. Tucked away on a quiet, secluded road with only three homes, this exceptional property is surrounded by water and bordered by 25 acres of protected, unbuildable land, ensuring lasting privacy and breathtaking natural beauty. Ideally located less than an hour from Annapolis, Baltimore, Washington, D.C., and Northern Virginia—including Alexandria and Arlington—this home provides the perfect balance of peaceful waterfront living with easy access to major metropolitan conveniences. The 4-bedroom residence features 2 full baths and 2 half baths, with an open, airy design that captures stunning water views from virtually every window. The main level includes two bedrooms and showcases soaring cathedral ceilings, solid wood doors, and exceptional craftsmanship, while thoughtfully preserved elements from the original cottage add warmth, character, and a sense of nostalgia. The spacious kitchen is both elegant and functional, offering Silestone countertops, stainless steel appliances, white cabinetry, abundant counter space, a breakfast nook, and radiant heated flooring, with propane gas fueling both cooking and the home's heating system. The inviting family room centers around a striking fireplace and flows effortlessly onto a generous wraparound waterfront porch—perfect for relaxing or entertaining while taking in serene views. Built with quality and durability in mind, the home features a metal roof, Hardiplank exterior, and a warm, welcoming ambiance throughout. This is a true waterfront lifestyle property, where fishing, kayaking, boating, and crabbing are part of everyday life, and where comfort, craftsmanship, and natural beauty come together in perfect harmony.
For sale
Price cut: $76K (6/16)
$1,099,000
4005 Lloyd Bowen Rd, Saint Leonard, MD 20685
4beds
2,818sqft
Single Family Residence
Built in 2009
0.46 Acres Lot
$-- Zestimate®
$390/sqft
$-- HOA
What's special
Waterfront bungalowGenerous wraparound waterfront porchStriking fireplaceSolid wood doorsOpen airy designExceptional craftsmanshipSoaring cathedral ceilings
- 48 days |
- 1,028 |
- 42 |
Zillow last checked:
Listing updated:
Listed by:
Jeannine Wayson 410-562-3178,
Coldwell Banker Realty 4102638686
Source: Bright MLS,MLS#: MDCA2026454
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Rooms
- Room types: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Laundry, Loft, Bathroom 2, Primary Bathroom, Half Bath
Primary bedroom
- Features: Flooring - Wood, Ceiling Fan(s), Walk-In Closet(s)
- Level: Upper
Bedroom 2
- Features: Flooring - Wood, Ceiling Fan(s)
- Level: Main
Bedroom 3
- Features: Ceiling Fan(s), Attached Bathroom, Flooring - Ceramic Tile, Flooring - Heated, Bathroom - Walk-In Shower, Walk-In Closet(s)
- Level: Main
Bedroom 4
- Level: Upper
Primary bathroom
- Features: Flooring - Heated, Flooring - Ceramic Tile, Bathroom - Walk-In Shower
- Level: Upper
Bathroom 2
- Features: Flooring - Ceramic Tile, Flooring - Heated
- Level: Main
Dining room
- Features: Dining Area, Flooring - HardWood, Living/Dining Room Combo
- Level: Main
Half bath
- Features: Flooring - Ceramic Tile
- Level: Main
Half bath
- Features: Flooring - HardWood
- Level: Upper
Kitchen
- Features: Breakfast Nook, Dining Area, Kitchen - Gas Cooking, Kitchen - Propane Cooking, Living/Dining Room Combo, Flooring - Heated, Flooring - Ceramic Tile
- Level: Main
Laundry
- Features: Flooring - Wood
- Level: Main
Living room
- Features: Flooring - Wood, Fireplace - Wood Burning, Ceiling Fan(s)
- Level: Main
Loft
- Level: Upper
Screened porch
- Features: Fireplace - Other, Lighting - Wall sconces
- Level: Main
Heating
- Heat Pump, Electric, Propane
Cooling
- Other, Ceiling Fan(s), Central Air, Heat Pump, Electric
Appliances
- Included: Dishwasher, Dryer, Exhaust Fan, Microwave, Self Cleaning Oven, Oven/Range - Gas, Refrigerator, Six Burner Stove, Stainless Steel Appliance(s), Washer, Water Heater, Water Treat System, Electric Water Heater
- Laundry: Main Level, Has Laundry, Laundry Room
Features
- Bathroom - Stall Shower, Bathroom - Walk-In Shower, Ceiling Fan(s), Combination Dining/Living, Combination Kitchen/Dining, Combination Kitchen/Living, Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Open Floorplan, Kitchen - Country, Primary Bath(s), Primary Bedroom - Bay Front, Recessed Lighting, Upgraded Countertops, Walk-In Closet(s), Built-in Features, Attic, Eat-in Kitchen, Kitchen - Gourmet, Pantry, 9'+ Ceilings, 2 Story Ceilings, Dry Wall, High Ceilings, Cathedral Ceiling(s), Vaulted Ceiling(s)
- Flooring: Hardwood, Heated, Tile/Brick, Wood, Ceramic Tile, Slate
- Doors: Six Panel
- Windows: Wood Frames, Screens, Sliding
- Has basement: No
- Number of fireplaces: 1
- Fireplace features: Brick
Interior area
- Total structure area: 2,818
- Total interior livable area: 2,818 sqft
- Finished area above ground: 2,818
- Finished area below ground: 0
Property
Parking
- Total spaces: 4
- Parking features: Driveway, Shared Driveway, Unpaved, Other
- Uncovered spaces: 4
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Porch, Screened, Wrap Around, Roof, Screened Porch
- Exterior features: Rain Gutters, Outdoor Shower, Private Beach, Other
- Pool features: None
- Has view: Yes
- View description: Water, Trees/Woods, Scenic Vista, River, Panoramic
- Has water view: Yes
- Water view: Water,River
- Waterfront features: Sandy Beach, River, Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Private Access, Sail, Swimming Allowed, Waterski/Wakeboard
- Body of water: Island Creek
- Frontage length: Water Frontage Ft: 60
Lot
- Size: 0.46 Acres
- Features: Fishing Available, Front Yard, Irregular Lot, Landscaped, Level, No Thru Street, Premium, Rural, Secluded, Cleared, Adjoins - Open Space, Adjoins - Game Land, Flood Plain, Open Lot, Rear Yard, SideYard(s), Vegetation Planting, Year Round Access
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 0501017357
- Zoning: RUR
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Bungalow
- Property subtype: Single Family Residence
Materials
- Frame, Fiber Cement, HardiPlank Type, CPVC/PVC, Spray Foam Insulation, Stick Built
- Foundation: Crawl Space
- Roof: Metal
Condition
- Excellent
- New construction: No
- Year built: 2009
Utilities & green energy
- Electric: 120/240V
- Sewer: Private Septic Tank
- Water: Well
- Utilities for property: Electricity Available, Propane, Water Available
Community & HOA
Community
- Subdivision: None Available
HOA
- Has HOA: No
Location
- Region: Saint Leonard
Financial & listing details
- Price per square foot: $390/sqft
- Tax assessed value: $681,300
- Annual tax amount: $7,436
- Date on market: 5/10/2026
- Listing agreement: Exclusive Agency
- Ownership: Fee Simple
- Road surface type: Gravel, Unimproved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 6/16/2026 | Price change | $1,099,000-6.5%$390/sqft |
Source:  Bright MLS #MDCA2026454 Report a problem | ||
| 5/10/2026 | Listed for sale | $1,175,000$417/sqft |
Source: Bright MLS #MDCA2026454 Report a problem | ||
Public tax history
Tax history is unavailable.
Monthly payment
Est. payment$--/mo
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.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 20685
Nearby schools
GreatSchools rating
- 8/10Mutual Elementary SchoolGrades: PK-5Distance: 4.2 mi
- 3/10Southern Middle SchoolGrades: 6-8Distance: 5.1 mi
- 6/10Calvert High SchoolGrades: 9-12Distance: 10.2 mi
Schools provided by the listing agent
- District: Calvert 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.
A local agent can set up tours, give advice and negotiate with sellers.
- Maryland
- Calvert County
- Saint Leonard
- 20685
- 4005 Lloyd Bowen Rd
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