Rare opportunity to own directly on the Chesapeake Bay in Windward Key, where bayfront homes seldom come on the market. This 4-level, 3-bedroom, 3-full-and-2-half-bath coastal townhouse in Chesapeake Beach sits directly on the water with expansive Bay views and a private community sandy beach. Balconies on every level offer front-row sunrise views over the water and shifting sky and watercolor at dusk. The kitchen window frames its own daily sunset. The kitchen features Blue Pearl granite countertops, Dura Supreme semi-custom cabinetry in the white painted Arcadia Classic Deluxe finish, a 2022 LG stainless French-door smart refrigerator with ice and water dispenser, and a GE Profile stainless convection range. A gas fireplace warms the main living area, and motorized Hunter Douglas remote-controlled blinds cover the kitchen and both sliding glass doors, opening the Bay view or closing off the room for privacy at the touch of a button. Upstairs, two primary suites, each with its own private, enclosed en-suite bathroom. The fourth-level rooftop holds the third bedroom, also with its own full en-suite bath and private balcony access over the Bay, a true top-floor retreat, ideal for watching the Fourth of July fireworks. The fully finished, walkout lower level opens directly to the attached garage and a private deck on the Bay, and the garage itself adds almost 500 square feet with additional storage space. Recent updates include a 2025 foundation upgrade with a transferable lifetime warranty, a 2023 A.O. Smith 80-gallon water heater and whole-house water filtration system, a 2022 4-ton Trane XL18i heat pump, 2022 Tyvek siding, and a 2017 garage door and opener. Windward Key residents enjoy a private community beach for sea glass and shark teeth hunting, a saltwater in-ground pool, a boat dock (not included with this unit), a marina, pickleball and basketball courts, and kayak access to Fishing Creek. Traders Seafood sits directly across the street, and the North Beach boardwalk, Brownie Beach at Bayfront Park, the Rod 'N' Reel Resort, and a market plaza are all less than a mile away. A one-year American Home Shield home warranty conveys with the sale. Sold as-is.
Coming soon 10/01
$890,000
4013 Windward Key Ct, Chesapeake Beach, MD 20732
3beds
3,061sqft
Townhouse
Built in 1988
1,750 Square Feet Lot
$779,200 Zestimate®
$291/sqft
$410/mo HOA
What's special
- 16 days
- 352
- 18
Zillow last checked:
Listing updated:
Listed by:
Gabriela Montgomery 305-797-1171,
RE/MAX Realty Group 301-855-8600
Source: Bright MLS,MLS#: MDCA2030338
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 5
- Full bathrooms: 3
- 1/2 bathrooms: 2
- Main level bathrooms: 1
Basement
- Area: 863
Heating
- Heat Pump, Electric
Cooling
- Central Air, Ceiling Fan(s), Electric
Appliances
- Included: Microwave, Dishwasher, Oven/Range - Electric, Refrigerator, Washer, Dryer, Electric Water Heater
- Laundry: In Basement, Has Laundry
Features
- Flooring: Hardwood
- Basement: Finished,Garage Access,Connecting Stairway,Interior Entry,Walk-Out Access
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
Interior area
- Total structure area: 3,924
- Total interior livable area: 3,061 sqft
- Finished area above ground: 3,061
Property
Parking
- Total spaces: 1
- Parking features: Storage, Attached
- Attached garage spaces: 1
- Details: Garage Sqft: 483
Accessibility
- Accessibility features: None
Features
- Levels: Four
- Stories: 4
- Exterior features: Private Beach
- Pool features: Community
- Has spa: Yes
- Spa features: Bath
- Has view: Yes
- View description: Bay
- Has water view: Yes
- Water view: Bay
- Waterfront features: Sandy Beach, Bayfront, Private Access, Swimming Allowed, Bay
- Body of water: Chesapeake Beach
- Frontage length: Water Frontage Ft: 25
Lot
- Size: 1,750 Square Feet
- Features: Level
Details
- Additional structures: Above Grade
- Parcel number: 0503119289
- Zoning: C
- Special conditions: Standard
Construction
Type & style
- Home type: Townhouse
- Architectural style: Coastal
- Property subtype: Townhouse
Materials
- Frame
- Foundation: Other
Condition
- New construction: No
- Year built: 1988
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Features: Pool
- Subdivision: Windward Key
HOA
- Has HOA: Yes
- Amenities included: Basketball Court, Beach Access, Boat Dock/Slip, Common Grounds, Pool
- Services included: Common Area Maintenance, Maintenance Grounds, Pier/Dock Maintenance, Pool(s), Reserve Funds
- HOA fee: $410 monthly
- HOA name: WINDWARD KEY HOMEOWNERS ASSOCIATION
Location
- Region: Chesapeake Beach
Financial & listing details
- Price per square foot: $291/sqft
- Tax assessed value: $620,167
- Annual tax amount: $6,597
- Date on market: 10/1/2026
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Estimated market value
$779,200
$709,000 - $865,000
$3,442/mo
Price history
| Date | Event | Price |
|---|---|---|
| 1/11/1988 | Sold | $276,660$90/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $6,349 +6.4% | $594,500 +3.7% |
| 2024 | $5,966 +8% | $573,300 +3.8% |
| 2023 | $5,525 +2.1% | $552,100 +4% |
| 2022 | $5,410 +0.9% | $530,900 +1.6% |
| 2021 | $5,362 +0.3% | $522,633 +1.6% |
| 2020 | $5,344 +0.3% | $514,367 +1.6% |
| 2019 | $5,326 +0.3% | $506,100 |
| 2018 | $5,309 -57.7% | $506,100 |
| 2017 | $12,541 +126% | $506,100 -0.6% |
| 2016 | $5,548 | $509,200 |
| 2015 | $5,548 | $509,200 |
| 2014 | $5,548 | $509,200 -2.8% |
| 2013 | -- | $523,600 |
| 2012 | -- | $523,600 |
| 2011 | -- | $523,600 -19.4% |
| 2010 | -- | $649,830 +8.8% |
| 2009 | -- | $597,010 +9.7% |
| 2008 | -- | $544,190 +10.7% |
| 2007 | -- | $491,370 +17.1% |
| 2006 | -- | $419,542 +20.7% |
| 2005 | -- | $347,716 +26% |
| 2004 | -- | $275,890 +4.2% |
| 2003 | -- | $264,656 +4.4% |
| 2002 | -- | $253,423 +4.6% |
| 2001 | -- | $242,190 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 20732
Nearby schools
Schools provided by the listing agent
- Elementary: Beach
- Middle: Windy Hill
- High: Northern
- 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.






