38 OSPREY WAYELKTON, MD 21921

Single Family · 4 Beds · 3 Full Baths · 1 Half Bath · 4,185 Sq. ft. | 3.12 Acres
$1,400,000 ACTIVE

38 OSPREY WAY Overview

Time on Site:
116 days
Visits:
22

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.

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38 OSPREY WAY Facts & Features

  • Type Single Family
  • Sq. ft. 4,185
  • Price/Sq.ft. $335
  • Lot 3.12 Acres

Details

General

Association/HOA

  • Association: No
  • Condo/Coop Association: No

Listing Information

  • Real Estate Owned: No
  • Short Sale: No

Building Information

  • New Construction: No
  • Pool: Yes - Personal
  • Total SQFT: 5850
  • Year Built: 1995

Location/Region

  • Country: US
  • County: CECIL
  • County Or Parish: CECIL
  • In City Limits: No
  • Subdivision Name: ELK NECK

Parking Information

  • Total Parking Spaces: 6
  • Type of Parking: Driveway,Detached Garage,Attached Garage

Rent/Lease Information

  • Lease Considered: No

Tax Information

  • County Tax: 12326.00
  • County Tax Payment Frequency: Annually
  • Tax Annual Amount: $12,386.00
  • Tax Assessed Value: 1183700.00
  • Tax Year: 2024

General Information

  • Inclusions: All Appliances
  • Property Condition: Below Average
  • Property Type: Residential
  • School District Name: CECIL COUNTY PUBLIC SCHOOLS
  • Senior Community: No
  • Special Listing Conditions: Standard
  • Vacation Rental: No
  • Year Assessed: 2025
  • Zoning: NAR

Interior

Building Information

  • Cooling Fuel: Electric
  • Heating Fuel: Geo-thermal,Natural Gas,Propane - Owned

Parking Information

  • Garage Features: Additional Storage Area,Other
  • Garage Spaces: 6.00
  • Garage: Yes

Beds/Baths

  • Bathrooms Full: 3
  • Bathrooms Full Main Level: 1
  • Bathrooms Half: 1
  • Bathrooms Half Main Level: 1
  • Bathrooms Total: 4
  • Bedrooms Total: 4

Building Exterior/Construction

  • Structure Type: Detached
  • Wall & Ceiling Types: 2 Story Ceilings,Dry Wall,Other

Building Interior

  • Above Grade Finished Area: 3630
  • Above Grade Finished Area Source: Estimated
  • Above Grade Finished Area Units: Square Feet
  • Below Grade Finished Area: 555
  • Below Grade Finished Area Source: Estimated
  • Below Grade Finished Area Units: Square Feet
  • Central Air: No
  • Hot Water: Electric
  • Laundry Type: Lower Floor

General Information

  • Accessibility Features: >84 Garage Door
  • Appliances: Cooktop, Dishwasher, Dryer, Dryer - Electric, Exhaust Fan, Humidifier, Oven - Double, Washer, Water Heater
  • Cooling: Other
  • Fireplace: No
  • Flooring: Carpet, Ceramic Tile, Hardwood, Stone
  • Foundation Details: Block, Concrete Perimeter
  • Interior Features: Attic, Built-Ins, Ceiling Fan(s), Central Vacuum, Crown Moldings, Curved Staircase, Family Room Off Kitchen, Intercom, Kitchen - Table Space, Primary Bath(s), Recessed Lighting, Store/Office, Walk-in Closet(s), Bar
  • Levels: 2
  • Living Area: 4185
  • Living Area Source: Estimated
  • Main Level Bathrooms: 2.00
  • Main Level Bedrooms: 1
  • Security Features: Fire Detection System,Smoke Detector
  • Spa: No
  • Window Features: Replacement

Room Information

  • Room List: Dining Room,Primary Bedroom,Bedroom 2,Bedroom 3,Kitchen,Family Room,Basement,Foyer,Great Room,Attic,Half Bath

Exterior

Parking Information

  • Parking Features: Dirt Driveway

Lot Information

  • Additional Parcels: No
  • Lot Features: Private, Rural, Secluded
  • Lot Size Acres: 3.12
  • Lot Size Source: Estimated
  • Lot Size Square Feet: 135907.00
  • Lot Size Units: Square Feet
  • Road Responsibility: Private
  • Road Surface Type: Gravel
  • Water Source: Well

Waterfront/View

  • View: River
  • Water Body Type: River
  • Water Oriented: Yes
  • Water View: Yes
  • Waterfront: Yes

Building Exterior/Construction

  • Architectural Style: Contemporary
  • Construction Materials: Frame
  • Patio And Porch Features: Brick, Deck(s), Patio(s)

General Information

  • Exterior Features: Flood Lights, Other
  • Fencing: Wood
  • Other Structures: Above Grade,Below Grade
  • Pool Features: Heated, Fenced, In Ground
  • Sewer: Private Septic Tank
  • Water Access: Yes

Room Information

Room: Basement

  • Level: Lower 1
  • Features: Basement - Finished

Room: Bedroom 3

  • Level: Lower 1

Room: Family Room

  • Level: Lower 1

Room: Dining Room

  • Level: Main

Room: Foyer

  • Level: Main

Room: Great Room

  • Level: Main

Room: Half Bath

  • Level: Main

Room: Kitchen

  • Level: Main
  • Features: Island,Wood Stove,Kitchen - Propane Cooking

Room: Attic

  • Level: Upper 1

Room: Bedroom 2

  • Level: Upper 1

Room: Primary Bedroom

  • Level: Upper 1

38 OSPREY WAY Neighborhood

Community

21921 (ELKTON) Demographics

38
Median Age
452
Population Density (per sq. mile)
34%
College Educated
$74,416
Estimated Median Income
11,296
Estimated Total Home Owners
5,043
Estimated Total Renters
69% / 31%
Estimated Owner / Renter Divide
3
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

38 OSPREY WAY Monthly Cost

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* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

38 OSPREY WAY Market Data

Based on the last 30 days in this zip code

$428,042
Average List Price
$194
Average Price per Square Foot
32
Properties Sold
56
Average Days on Market
148
Properties for Sale
Calculations provided by Reliance Network

38 OSPREY WAY History

Date Event Value Agent
6/19/2026Source: BRIGHT MLS Price Reduction
$1,400,000 -12.5%
3/5/2026Source: BRIGHT MLS Added to Database
March 05, 2026
Listing provided courtesy of Iron Valley Real Estate of Central PA- MLS# MDCC2020600MLS ProviderContact Information: [email protected] - 7173445950