Welcome to 644 Ayrlie Water Road, a vintage 1930s cottage with stunning views of the Chesapeake Bay, forever protected by the property’s ownership of the land directly across the street. Designated a conservation easement, this secondary property runs with the land and may not be built upon. This property is located on a lovely quiet street in close proximity to the Gibson Island Club. Enjoy the glorious daily sunrises and Bay views from the enclosed front porch of this delightful cottage located on a very quiet street off the beaten path. Walking distance to the Gibson Island Club, “Secret Beach” is across the street and available for a dip in the Bay, picnic, or just digging your toes in the sand while reading your book! Enter this quintessential cottage through a spacious enclosed porch into a simply magnificent wood-stained Great Room with Cathedral ceilings, visible beams, and two matching staircases on either side, each staircase leading to two bedrooms and a full bath. A huge woodburning fireplace graces the Great Room. Also on the main level is a spacious dining room perfect for entertaining, a renovated Kitchen, inviting Den, and Primary Bedroom with Full Bath. A lovely wraparound porch runs along on the backside of the house overlooking the woods, and a screened porch off the Kitchen provides delightful water views. A garage is connected to the house and may be accessed through stairs inside. Information on Gibson Island: Gibson Island is a private island within one hour of Washington, D.C. and Baltimore offering an absolutely extraordinary setting. The Island comprises 1000 acres with seven miles of shoreline. Two thirds of the Island is undeveloped and is owned by the Gibson Island Corporation, the homeowners' association. The remaining third is residential home sites. Gibson Island is located on the western shore of Maryland, so there is no need to cross the Bay Bridge. On the Island is a 43-acre spring fed freshwater lake in which one may enjoy non-motorized watercraft activities such as paddleboarding, canoeing, kayaking, fishing and swimming. The Island offers enormous privacy and security--there is an entry gatehouse staffed 24+Hours, and the Island is patrolled by the Gibson Island Police Force (GIPD). The Gibson Island Corporation Service Department offers yard maintenance and landscaping and other services for homeowners. There is a full-service yacht yard. From the Island, it is just a 20-minute drive to BWI Airport and the neighboring Amtrak train station. The Island houses a private country club (membership by invitation) offering yachting, fine dining year-round, tennis, an award-winning Charles Blair Macdonald designed 9-hole golf course, swimming, croquet, skeet shooting, and more. (C)
Pending
$2,495,000
644 Ayrlie Water Rd, Gibson Island, MD 21056
5beds
2,956sqft
Single Family Residence
Built in 1930
0.39 Acres Lot
$-- Zestimate®
$844/sqft
$1,211/mo HOA
What's special
Renovated kitchenQuintessential cottageTwo matching staircasesInviting denCathedral ceilingsSpacious enclosed porchVisible beams
- 21 days |
- 1,152 |
- 33 |
Zillow last checked:
Listing updated:
Listed by:
Sarah Kanne 301-351-1319,
Gibson Island Real Estate INC 4102551341
Source: Bright MLS,MLS#: MDAA2146362
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- 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, Bedroom 4, Bedroom 5, Kitchen, Den, Basement, Great Room, Laundry, Bathroom 2, Bathroom 3, Primary Bathroom, Half Bath
Primary bedroom
- Features: Attached Bathroom, Ceiling Fan(s), Flooring - HardWood, Window Treatments
- Level: Main
Bedroom 2
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Upper
Bedroom 3
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Upper
Bedroom 4
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Upper
Bedroom 5
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Upper
Primary bathroom
- Features: Flooring - HardWood, Bathroom - Stall Shower
- Level: Main
Bathroom 2
- Features: Bathroom - Stall Shower, Flooring - HardWood, Jack and Jill Bathroom
- Level: Upper
Bathroom 3
- Features: Bathroom - Jetted Tub, Bathroom - Tub Shower, Flooring - HardWood, Jack and Jill Bathroom
- Level: Upper
Basement
- Features: Flooring - Concrete, Basement - Unfinished
- Level: Lower
Den
- Features: Flooring - HardWood
- Level: Main
Dining room
- Features: Flooring - HardWood
- Level: Main
Great room
- Features: Built-in Features, Cathedral/Vaulted Ceiling, Ceiling Fan(s), Fireplace - Wood Burning, Flooring - HardWood, Skylight(s)
- Level: Main
Half bath
- Features: Flooring - HardWood, Lighting - Wall sconces
- Level: Main
Kitchen
- Features: Attached Bathroom, Built-in Features, Granite Counters, Flooring - HardWood, Kitchen Island, Eat-in Kitchen, Kitchen - Electric Cooking, Recessed Lighting
- Level: Main
Laundry
- Level: Main
Heating
- Forced Air, Oil
Cooling
- Ceiling Fan(s), Central Air, Electric
Appliances
- Included: Microwave, Dishwasher, Disposal, Exhaust Fan, Oven, Refrigerator, Cooktop, Trash Compactor, Washer/Dryer Stacked, Electric Water Heater
- Laundry: Main Level, Laundry Room
Features
- Additional Stairway, Bathroom - Stall Shower, Bathroom - Tub Shower, Built-in Features, Ceiling Fan(s), Double/Dual Staircase, Entry Level Bedroom, Exposed Beams, Floor Plan - Traditional, Formal/Separate Dining Room, Eat-in Kitchen, Kitchen Island, Kitchen - Table Space, Primary Bath(s), Recessed Lighting, 9'+ Ceilings, 2 Story Ceilings, Beamed Ceilings, High Ceilings, Vaulted Ceiling(s), Wood Walls
- Flooring: Hardwood, Wood
- Doors: Sliding Glass
- Windows: Casement, Double Hung, Screens, Skylight(s)
- Basement: Connecting Stairway,Partial,Garage Access,Interior Entry,Exterior Entry,Unfinished
- Number of fireplaces: 1
- Fireplace features: Brick, Mantel(s), Wood Burning
Interior area
- Total structure area: 4,020
- Total interior livable area: 2,956 sqft
- Finished area above ground: 2,956
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Total spaces: 1
- Parking features: Storage, Basement, Garage Faces Side, Inside Entrance, Asphalt, Attached, Driveway
- Attached garage spaces: 1
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Enclosed, Porch, Screened, Wrap Around
- Exterior features: Lighting, Rain Gutters
- Pool features: None
- Spa features: Bath
- Has view: Yes
- View description: Bay, Garden, Street, Trees/Woods, Water
- Has water view: Yes
- Water view: Bay,Water
- Waterfront features: Bay
- Body of water: Chesapeake Bay
Lot
- Size: 0.39 Acres
- Features: Additional Lot(s), Backs to Trees, Front Yard, Wooded, Premium, Rear Yard, SideYard(s)
Details
- Additional structures: Above Grade, Below Grade
- Additional parcels included: 643 Ayrlie Water conveys with 644 Ayrlie and is directly across the street and is in a recorded permanent conservation easement
- Parcel number: 020335014740600
- Zoning: R1
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Crawl Space
- Roof: Asphalt
Condition
- Very Good
- New construction: No
- Year built: 1930
Utilities & green energy
- Sewer: Private Septic Tank
- Water: Public
- Utilities for property: Water Available, Electricity Available
Community & HOA
Community
- Subdivision: Gibson Island
HOA
- Has HOA: Yes
- Amenities included: Common Grounds, Gated, Jogging Path, Lake, Non-Lake Recreational Area, Picnic Area, Pier/Dock, Security, Water/Lake Privileges
- Services included: Common Area Maintenance, Security, Trash, Other
- HOA fee: $1,211 monthly
- HOA name: GIBSON ISLAND CORPORATION
Location
- Region: Gibson Island
Financial & listing details
- Price per square foot: $844/sqft
- Tax assessed value: $1,887,633
- Annual tax amount: $21,428
- Date on market: 6/4/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional
- Ownership: Fee Simple
Sarah Kanne
(301) 351-1319
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Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 6/23/2026 | Pending sale | $2,495,000$844/sqft |
Source:  Bright MLS #MDAA2146362 Report a problem | ||
| 6/19/2026 | Contingent | $2,495,000$844/sqft |
Source: Bright MLS #MDAA2146362 Report a problem | ||
| 6/4/2026 | Listed for sale | $2,495,000+4.9%$844/sqft |
Source: Bright MLS #MDAA2146362 Report a problem | ||
| 6/20/2025 | Sold | $2,379,000$805/sqft |
Source: Bright MLS #MDAA2105552 Report a problem | ||
| 5/7/2025 | Pending sale | $2,379,000$805/sqft |
Source: Bright MLS #MDAA2105552 Report a problem | ||
| 4/24/2025 | Listed for sale | $2,379,000$805/sqft |
Source: Bright MLS #MDAA2105552 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $15,846 +21.3% | $1,540,467 +29.1% |
| 2024 | $13,067 +2% | $1,193,300 +1.8% |
| 2023 | $12,806 +6.4% | $1,172,700 +1.8% |
| 2022 | $12,039 +1.8% | $1,152,100 +1.8% |
| 2021 | $11,824 +3.5% | $1,131,500 +3.6% |
| 2020 | $11,426 +3.6% | $1,092,367 -3.5% |
| 2019 | $11,027 +7.2% | $1,131,500 +11.6% |
| 2018 | $10,283 -0.5% | $1,014,100 |
| 2017 | $10,337 | $1,014,100 |
| 2016 | -- | $1,014,100 -23% |
| 2015 | -- | $1,316,500 |
| 2014 | -- | $1,316,500 |
| 2013 | -- | $1,316,500 -1.3% |
| 2012 | -- | $1,334,200 |
| 2011 | -- | $1,334,200 |
| 2010 | -- | $1,334,200 -0.3% |
| 2009 | -- | $1,338,230 +10.9% |
| 2008 | -- | $1,206,212 +12.3% |
| 2007 | -- | $1,074,196 +14% |
| 2006 | -- | $942,180 +14.8% |
| 2005 | -- | $821,020 +3.9% |
| 2004 | -- | $789,860 +36.5% |
| 2003 | -- | $578,700 +3.2% |
| 2002 | -- | $560,546 +3.3% |
| 2001 | -- | $542,393 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
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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: 21056
Nearby schools
GreatSchools rating
- 7/10Bodkin Elementary SchoolGrades: PK-5Distance: 3.3 mi
- 8/10Chesapeake Bay Middle SchoolGrades: 6-8Distance: 3.3 mi
- 7/10Chesapeake High SchoolGrades: 9-12Distance: 3.3 mi
Schools provided by the listing agent
- Elementary: Bodkin
- Middle: Chesapeake Bay
- High: Chesapeake
- District: Anne Arundel 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.
- Maryland
- Anne Arundel County
- Gibson Island
- 21056
- 644 Ayrlie Water Rd
Nearby cities
Nearby zip codes
Other Gibson Island Topics
