Waterfront Perfection in Montego Bay – Bay Views, Deep Water Access & More. An exceptional waterfront property nestled along one of the widest canals in Ocean City’s beloved Montego Bay community. With sweeping views of the bay and direct access to open water, this rare offering combines an unbeatable location with turnkey comfort, offering the ultimate coastal lifestyle for boaters and beach lovers alike. Positioned on a premium canal-front lot, this home enjoys not only scenic beauty but also practical advantages. Two private boat Slips (one with a Boat Lift) are perched over some of the deepest water in Ocean City, making it ideal for larger boats or vessels with deeper drafts—something not easily found elsewhere. Whether you’re a serious boater or a weekend cruiser, this setup is unmatched for convenience, safety, and accessibility. The home features three spacious bedrooms and a bright, meticulously maintained interior that reflects true pride of ownership. The open-concept living space flows effortlessly into a charming Back Deck overlooking the water—perfect for enjoying morning coffee, hosting friends, or unwinding with a sunset view after a day on the water. Thoughtful finishes and clean, coastal design elements make this home feel warm, inviting, and move-in ready. Step outside to discover your oversized waterfront dock, offering plenty of room for entertaining, lounging in the sun, or casting a line from your own backyard. Whether you're seeking a second home, an investment property, or a full-time residence, this home delivers exceptional value and unforgettable views. Located in Montego Bay, one of North Ocean City’s most sought-after communities, you'll enjoy access to amenities like two outdoor pools, tennis courts, a community fishing pier, and scenic walking trails—all with no ground rent and low HOA fees at $385/Year Plus, you’re just a few short blocks from the beach, Northside Park, dining, and entertainment. A waterfront sanctuary where every day feels like a vacation.
Sold for $710,000
$710,000
632 Gulf Stream Dr, Ocean City, MD 21842
3beds
1,368sqft
Manufactured Home
Built in 1986
3,600 Square Feet Lot
$712,900 Zestimate®
$519/sqft
$2,801 Estimated rent
Home value
$712,900
$634,000 - $806,000
$2,801/mo
Zestimate® history
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List your homeWhat's special
Waterfront propertyPremium canal-front lotClean coastal design elementsThoughtful finishesBright meticulously maintained interiorOversized waterfront dockThree spacious bedrooms
Zillow last checked:
Listing updated:
Listed by:
Scott Holdren 410-250-2700,
Larry Holdren Real Estate Inc
Bought with:
Nancy Reither, 585133
Coldwell Banker Realty
Source: Bright MLS,MLS#: MDWO2035668
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Rooms
- Room types: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Kitchen, Bedroom 1, Bathroom 1, Bathroom 2
Primary bedroom
- Features: Window Treatments, Flooring - Luxury Vinyl Plank, Ceiling Fan(s)
- Level: Main
- Area: 176 Square Feet
- Dimensions: 16 X 11
Bedroom 1
- Features: Ceiling Fan(s), Flooring - Luxury Vinyl Plank, Window Treatments
- Level: Main
- Area: 88 Square Feet
- Dimensions: 8 X 11
Bedroom 2
- Features: Window Treatments, Flooring - Luxury Vinyl Plank, Ceiling Fan(s)
- Level: Main
- Area: 121 Square Feet
- Dimensions: 11 X 11
Bathroom 1
- Features: Window Treatments, Bathroom - Tub Shower, Flooring - Ceramic Tile
- Level: Main
- Area: 64 Square Feet
- Dimensions: 8 X 8
Bathroom 2
- Features: Skylight(s), Double Sink, Bathroom - Walk-In Shower, Flooring - Ceramic Tile
- Level: Main
- Area: 55 Square Feet
- Dimensions: 11 X 5
Dining room
- Features: Cathedral/Vaulted Ceiling, Ceiling Fan(s), Window Treatments, Flooring - Luxury Vinyl Plank, Dining Area
- Level: Main
- Area: 81 Square Feet
- Dimensions: 9 X 9
Kitchen
- Features: Breakfast Bar, Cathedral/Vaulted Ceiling, Ceiling Fan(s), Granite Counters, Double Sink, Flooring - Luxury Vinyl Plank, Kitchen - Electric Cooking, Recessed Lighting, Window Treatments, Kitchen Island
- Level: Main
- Area: 176 Square Feet
- Dimensions: 11 X 16
Living room
- Features: Ceiling Fan(s), Cathedral/Vaulted Ceiling, Flooring - Luxury Vinyl Plank, Living/Dining Room Combo, Window Treatments
- Level: Main
- Area: 288 Square Feet
- Dimensions: 12 X 24
Heating
- Heat Pump, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Microwave, Dishwasher, Disposal, Dryer, Ice Maker, Self Cleaning Oven, Oven/Range - Electric, Refrigerator, Washer, Water Heater, Electric Water Heater
- Laundry: Dryer In Unit, Washer In Unit
Features
- Bathroom - Tub Shower, Bathroom - Walk-In Shower, Ceiling Fan(s), Combination Dining/Living, Open Floorplan, Kitchen Island, Dry Wall, Paneled Walls
- Flooring: Ceramic Tile, Wood
- Doors: Sliding Glass, Storm Door(s)
- Windows: Double Hung, Insulated Windows, Replacement, Screens, Skylight(s), Storm Window(s), Sliding, Window Treatments
- Has basement: No
- Has fireplace: No
Interior area
- Total structure area: 1,368
- Total interior livable area: 1,368 sqft
- Finished area above ground: 1,368
- Finished area below ground: 0
Property
Parking
- Total spaces: 2
- Parking features: Concrete, Off Street, Driveway
- Uncovered spaces: 2
Accessibility
- Accessibility features: 2+ Access Exits
Features
- Levels: One
- Stories: 1
- Exterior features: Lighting, Sidewalks, Street Lights
- Pool features: Community
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- Waterfront features: Canal
Lot
- Size: 3,600 Square Feet
- Features: Mixed Soil Type
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 2410194393
- Zoning: TR
- Special conditions: Standard
Construction
Type & style
- Home type: MobileManufactured
- Property subtype: Manufactured Home
Materials
- Vinyl Siding
- Foundation: Brick/Mortar
- Roof: Architectural Shingle
Condition
- Excellent
- New construction: No
- Year built: 1986
Utilities & green energy
- Electric: 200+ Amp Service
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available, Electricity Available, Natural Gas Available, Water Available, Sewer Available
Community & HOA
Community
- Features: Pool
- Subdivision: Montego Bay
HOA
- Has HOA: Yes
- Amenities included: Common Grounds, Pool, Shuffleboard Court, Tennis Court(s), Other
- Services included: Common Area Maintenance
- HOA fee: $385 annually
- HOA name: MONTEGO BAY CIVIC ASSOC.
Location
- Region: Ocean City
- Municipality: Ocean City
Financial & listing details
- Price per square foot: $519/sqft
- Tax assessed value: $444,167
- Annual tax amount: $6,083
- Date on market: 1/15/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Conventional,Cash
- Ownership: Fee Simple
- Road surface type: Black Top
Price history
| Date | Event | Price |
|---|---|---|
| 3/12/2026 | Sold | $710,000-2.7%$519/sqft |
Source:  Bright MLS #MDWO2035668 Report a problem | ||
| 3/7/2026 | Pending sale | $729,900$534/sqft |
Source: Bright MLS #MDWO2035668 Report a problem | ||
| 2/7/2026 | Contingent | $729,900$534/sqft |
Source: Bright MLS #MDWO2035668 Report a problem | ||
| 1/15/2026 | Listed for sale | $729,900+173.4%$534/sqft |
Source: Bright MLS #MDWO2035668 Report a problem | ||
| 4/5/2021 | Sold | $267,000-11%$195/sqft |
Source: Public Record Report a problem | ||
| 1/31/2014 | Sold | $300,000-13%$219/sqft |
Source: Public Record Report a problem | ||
| 8/18/2013 | Listing removed | $344,900$252/sqft |
Source: Montego Bay Realty #479732 Report a problem | ||
| 5/4/2013 | Price change | $344,900-2.8%$252/sqft |
Source: Montego Bay Realty #479732 Report a problem | ||
| 9/15/2012 | Price change | $355,000-4.8%$260/sqft |
Source: Montego Bay Realty #479732 Report a problem | ||
| 8/17/2012 | Listed for sale | $373,000+2.2%$273/sqft |
Source: Montego Bay Realty #479732 Report a problem | ||
| 9/22/2009 | Sold | $365,000$267/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $6,083 +14.9% | $444,167 +17.4% |
| 2024 | $5,294 +20.3% | $378,233 +21.1% |
| 2023 | $4,402 +1% | $312,300 |
| 2022 | $4,358 +0.8% | $312,300 +2% |
| 2021 | $4,325 +1% | $306,100 +1% |
| 2020 | $4,281 -0.7% | $303,000 |
| 2019 | $4,310 +0.7% | $303,000 |
| 2018 | $4,280 -6.7% | $303,000 -6.8% |
| 2017 | $4,589 -0.1% | $325,000 +0.6% |
| 2016 | $4,593 | $322,967 +0.6% |
| 2015 | $4,593 | $320,933 +0.6% |
| 2014 | $4,593 | $318,900 |
| 2013 | -- | $318,900 |
| 2012 | -- | $318,900 -16.7% |
| 2011 | -- | $382,760 |
| 2010 | -- | $382,760 |
| 2009 | -- | $382,760 -1% |
| 2008 | -- | $386,610 +19.3% |
| 2007 | -- | $323,970 +24% |
| 2006 | -- | $261,330 +31.5% |
| 2005 | -- | $198,690 +11.9% |
| 2004 | -- | $177,506 +13.6% |
| 2003 | -- | $156,323 +15.7% |
| 2002 | -- | $135,140 +2.4% |
| 2001 | -- | $132,030 |
Find assessor info on the county website
Neighborhood: North Ocean City
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Nearby schools
GreatSchools rating
- 10/10Ocean City Elementary SchoolGrades: PK-4Distance: 7 mi
- 10/10Stephen Decatur Middle SchoolGrades: 7-8Distance: 10 mi
- 7/10Stephen Decatur High SchoolGrades: 9-12Distance: 9.7 mi
Schools provided by the listing agent
- Elementary: Ocean City
- Middle: Berlin Intermediate School
- High: Stephen Decatur
- District: Worcester 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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- Maryland
- Worcester County
- Ocean City
- 21842
- North Ocean City
- 632 Gulf Stream Dr
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