738 Dill Rd, Severna Park, MD, 21146
About This Home
Charming Waterfront Cottage on Cypress Creek Privately situated at the end of a quiet street, this charming cottage offers peaceful waterfront living with beautiful views of Cypress Creek and abundant natural surroundings. The open-concept floor plan is designed to maximize the scenery, allowing you to enjoy stunning water views from nearly every room. The updated kitchen features shaker-style cabinetry, stainless steel appliances, and elegant quartz countertops. Inside, you'll find warm wood flooring, a stylish tiled bathroom, and two comfortable bedrooms with one full bath. Outdoor living is just as inviting, with a spacious wraparound deck and a covered waterside porch—perfect for relaxing, entertaining, or simply taking in the tranquil setting. The unfinished basement provides endless possibilities for additional living space, storage, or a workshop tailored to your needs. The current owner has thoughtfully landscaped the property with native plants that attract local birds and wildlife, creating a nature lover's paradise right outside your door. Experience the perfect blend of privacy, waterfront beauty, and cottage charm in this unique Cypress Creek retreat.
Getting Around
Car-Dependent
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Excellent
- Year built: 1982
Materials
- Foundation: Block,Concrete Perimeter
- Roof: Shingle
- Construction materials: HardiPlank Type,Aluminum Siding
Notable Dates
- Major remodel year: 2020
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch/Rambler
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Water Heater
- Laundry features: Has Laundry,Main Level
Basement
- Has basement: Yes
- Basement: Partial,Concrete,Side Entrance,Space For Rooms,Walk-Out Access
Bathroom1
- Level: Main
Bedroom2
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Dining Room
- Level: Main
Features
- Flooring: Wood
- Finished area below ground: 0
- Finished area above ground: 1,008
Heating & Cooling
- Heating features: Heat Pump,Central
- Cooling features: Ceiling Fan(s),Electric
Interior Area
- Total structure area: 2,016
- Total interior livable area: 1,008 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Primary Bedroom
- Level: Main
Property
Accessibility
- Accessibility features: 2+ Access Exits
Details
- Parcel number: 020300033580600
- Zoning: OS
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterbody name: Cypress Creek
Lot
- Lot size: 0.35 Acres
Parking
- Total spaces: 2
- Parking features: Driveway
- Has uncovered spaces: Yes
- Uncovered spaces: 2
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
- Winter Weather
- Coastal Flooding
- Heat Wave
- Lightning
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,679 | $32,148 |
| Home Insurance * | $139 | $1,668 |
| Property Taxes | $421 | $5,052 |
| Electricity | $281 | $3,374 |
| Total | $3,520 | $42,240 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Contingent | $530,000 |
| 2026-07-24 | Price change | $530,000 |
| 2026-06-13 | Listed for sale | $550,000 |
| 2013-04-10 | Sold | $369,900 |
| 2013-03-01 | Pending sale | $369,900 |
| 2013-02-10 | Listed for sale | $369,900 |
| 2012-09-22 | Listing removed | $284,900 |
| 2012-08-28 | Listed for sale | $284,900 |
| 2012-08-14 | Sold | $175,000 |
| 2012-08-14 | Price change | $289,900 |
| 2012-08-10 | Price change | $299,999 |
| 2012-07-29 | Listed for sale | $324,999 |
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