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12428 Sea Oaks #5, Berlin, MD, 21811

4beds
4baths
2,386sqft
$525,000
$220price/sqft
$3,457/moest. monthly cost
$138,280/yrincome needed

About This Home

Welcome to 12428 Sea Oaks Lane, 5, an exceptional three-level townhome offering a rare combination of space, style, and coastal convenience. Unlike many four-bedroom townhomes that span four levels, this residence is thoughtfully designed across just three, featuring a highly desirable first-floor bedroom complete with a private ensuite bath, an outstanding and hard-to-find feature. Conveniently located in West Ocean City, this four-bedroom 3.5 bath home is just one mile from the West Ocean City Harbor boat ramp and moments from local dining favorites and shopping. You will also appreciate easy access to Ocean City Beach, the iconic Ocean City Boardwalk, charming downtown Berlin, and the natural beauty of Assateague Island. Inside, a soothing neutral palette, luxury vinyl plank flooring, and detailed crown molding create a cohesive and inviting atmosphere throughout. The gourmet kitchen is a standout, showcasing high-end finishes, quartz countertops, a stylish backsplash, and soft-close cabinetry. An expansive island, complete with a built-in microwave and dishwasher, anchors the space and provides the perfect setting for entertaining or casual dining. Additional highlights include a cooktop with range hood, double wall ovens, and a spacious walk-in pantry. The kitchen flows seamlessly into the dining area, where sliding glass doors open to an elevated balcony overlooking a private, tree-lined backdrop. The main level also features a convenient powder room and a dry bar, ideal for hosting. Upstairs, the primary suite offers a double-door entry, a generous walk-in closet, and a well-appointed en suite bath with dual vanities, a frameless glass shower, and built-in bench seating. Two additional bedrooms, a full hall bath, and a dedicated laundry room complete the upper level. The entry level expands the homes versatility with a comfortable sitting area, a fourth bedroom with its own en suite bath and walk-in closet, perfect for guests, a mudroom, and access to the finished garage. From here, step outside through the atrium door to a beautifully designed paver patio with steps leading to the fully fenced backyard, where wooded views provide a sense of privacy rarely found in town home living. Enjoy a community pool and playground. Dont wait, schedule your viewing appointment today

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

9/10
10/10
7/10

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Coastal
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Built-In Microwave,Cooktop,Dishwasher,Dryer,Exhaust Fan,Icemaker,Oven - Double,Oven - Self Cleaning,Oven - Wall,Range Hood,Washer,WaterHeater

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Breakfast Area,Carpet,Ceiling Fan(s),Combination Dining/Living,Combination
  • Flooring: CeramicTile,Luxury Vinyl Plank,Partially Carpeted

Heating & Cooling

  • Heating features: Heat Pump(s)
  • Cooling features: Central A/C

Interior Area

  • Total structure area: 2,386
  • Total interior livable area: 2,386 sqft

Property

Features

  • Levels: Three Or More
  • Stories: 3
  • Exterior features: Sidewalks

Lot

  • Lot size: 2,178 sqft
  • Features: Backs to Trees,Landscaping,Private,Rear Yard
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: Attached Garage,Driveway,Garage - Front Entry,Garage Door Opener
  • Has garage: Yes
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Winter Weather
Drought
Heat Wave
Ice Storm
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,654$31,848
Home Insurance *$181$2,172
Property Taxes $319$3,828
Electricity $303$3,647
Total$3,457$41,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,525/yr
40% on housing$103,710/yr
45% on housing$92,186/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 21811$204
Worcester County$307

vs Homes Sold Last Month

Median $/sqft

ZIP 21811
Worcester County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-17Price change$520,000
2026-07-28Price change$525,000
2026-05-21Price change$530,000
2026-04-09Listed for sale$535,900
2023-02-28Sold$459,990

For Sale by Agent

AgentTara Miller
BrokerageNorthrop Realty

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