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3904 Dogwood Trl, Edgewater, MD, 21037

2beds
2baths
990sqft
$850,000
$859price/sqft
$5,671/moest. monthly cost
$226,840/yrincome needed

About This Home

Spectacular .45 acre waterfront gem just off the South River in the sought after Shoreham Beach community! Arrive by car or by boat, and enjoy the private dock for boating, fishing, crabbing, viewing the AMAZING sunsets and seasonal fireworks displays. Enter the front of the home on the waterfront side into the sunroom with beautiful waterviews. The main level living room features a bay window and sliding glass doors to the deck facing the water and an updated full bathroom. Light and bright kitchen with corian countertops and separate dining room. The upper level newly renovated full bathroom features a spacious shower with dual shower heads and Toto toilet. The primary bedroom has a large window overlooking the water and 2 closets, one a walk-in. The second bedroom overlooks the large rear yard. The home is clean and updated with new luxury vinyl plank flooring, renovated full bathroom upstairs, updated main level full bathroom, fresh paint, replacement windows, new curtains and shades, hot water heater replaced in 2023, dryer replaced in 2023 and partial roof replacement in 2023. The rear of the home offers a fenced yard, shed and secure parking for 2-4 cars and/or boat trailer and the front of the home is your playground on the water. This home sits on the calm Ramsay Bay side of the Mayo Peninsula where you can boat, relax, swim, kayak or SUP. The end of the peninsula faces the mouth of the South River as it meets the Chesapeake Bay where you can watch the large ships pass through as they head in and out of Baltimore. Mayo Beach Park is in the neighborhood and Beverly Triton Beach is about 1 mile away, still on the peninsula. The Shoreham Beach neighborhood is located within 45 minutes of DC and 20 minutes from Annapolis. There is a voluntary community association which allows access to the community dock and small boat ramp. There is a neighborhood private beach next to Mayo Park which faces the bay. Riparian rights, private 110' long dock with 16' x 10' deck area at the end and 3 pilings extend 30' from the end of the dock. Flood insurance is not required.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
Mayo Elementary SchoolGrades PK-50.7 mi
8/10
Central Middle SchoolGrades 6-83.5 mi
8/10
South River High SchoolGrades 9-123.6 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1960

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Oven/Range - Electric,Refrigerator,Washer,Water Conditioner - Owned,Water Heater,Water Treat System,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Features

  • Bathroom - Walk-In Shower,Floor Plan - Traditional,Formal/Separate Dining Room,Recessed Lighting,Upgraded Countertops,Walk-In Closet(s)
  • Window features: Replacement,Window Treatments
  • Flooring: Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Brick
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 990

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 990
  • Total interior livable area: 990 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020188705393343
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck
  • Fencing: Partial
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Bayfront,Boat - Powered,Canoe/Kayak,Fishing Allowed,Private Access,Beach Access,Swimming Allowed,Waterski/Wakeboard,River
  • Waterbody name: Ramsay Lake
  • Frontage length: Water Frontage Ft: 50

Lot

  • Lot size: 0.45 Acres
  • Features: Premium,Rear Yard,Fishing Available,Cleared

Parking

  • Parking features: Gravel,Driveway
  • 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 FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Winter Weather
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 $4,298$51,576
Home Insurance *$250$3,000
Property Taxes $842$10,104
Electricity $281$3,374
Total$5,671$68,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$194,434/yr
40% on housing$170,130/yr
45% on housing$151,226/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$859This listing

vs Other Active Listings

Avg $/sqft

ZIP 21037$298
Anne Arundel County$250

vs Homes Sold Last Month

Median $/sqft

ZIP 21037$308
Anne Arundel County$262

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Listed for sale$850,000
2025-06-02Listing removed$950,000
2025-05-01Price change$950,000
2025-04-11Listed for sale$995,000
2023-07-31Sold$510,000

For Sale by Agent

AgentMissy Raffa
BrokerageRE/MAX Realty Group

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