See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

538 Yacht Club Dr, Ocean Pines, MD, 21811

4beds
5baths
4,089sqft
$1,749,900
$428price/sqft
$10,890/moest. monthly cost
$435,600/yrincome needed

About This Home

Situated on a private, serene half-acre waterfront lot in the desirable Colonial Village section of Ocean Pines, this spectacular 4-bedroom, 3 full bath, 2 half bath home offers over 4,289 square feet of beautifully designed living space with exceptional indoor and outdoor amenities. The home is strategically positioned via view-oriented architecture to guarantee water views. Just a short stroll to the Ocean Pines Yacht Club, two community pools, the Pines Point Provisions restaurant, and the Pines Point Marina; this is coastal living at its finest. From the moment you step inside, you'll appreciate the thoughtfully designed floor plan that perfectly balances comfort and functionality. The spacious living room, casual dining room, and inviting family room to provide the perfect setting for entertaining family and friends or simply relaxing. The chef's kitchen is sure to impress with upgraded quartz countertops, premium Viking appliances, and abundant workspace. The luxurious first-floor primary suite is a peaceful waterfront retreat featuring breathtaking water views, a beautifully updated spa-inspired bath, and an oversized walk-in closet with plenty of space for two. The inviting family room, complete with a cozy fireplace, opens to a covered waterfront deck—the perfect place to enjoy your morning coffee or unwind with an evening drink while taking in the tranquil surroundings. A charming four-season gazebo creates the ideal setting for crab feasts, outdoor dining, and relaxing while enjoying the refreshing coastal breezes. The first floor also features a convenient laundry room and two half baths. Upstairs, you'll find three spacious guest bedrooms, two full baths, a dedicated exercise room, and a second covered waterfront deck where you can enjoy spectacular water views and seasonal fireworks. Step outside to your own private waterfront oasis. The expansive backyard offers plenty of room for children and pets to play, while boating enthusiasts will appreciate 105 feet of waterfront with a bulkhead replaced in 2025, a 16,000-pound boat lift, and dockage that can accommodate boats up to approximately 70 feet with easy access to the open bay. The protected canal is perfect for kayaking and paddleboarding, and dolphins are often spotted swimming by, making every day feel like a vacation. Additional improvements include two HVAC systems replaced in 2025 and 2026, a tankless water heater approximately seven years old, an encapsulated crawl space, a spacious 2.5-car garage, and ample driveway parking. This smart home is equipped with security cameras and an alarm system for added peace of mind. Best of all, this exceptional waterfront home is being sold fully furnished, making it truly move-in ready. Simply bring your suitcase and start creating unforgettable memories with family and friends in one of Ocean Pines' most sought-after waterfront communities. Flood Zone X no flood insurance required. Water depth in low tide is 5Ft 6".

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
Showell Elementary SchoolGrades PK-43.3 mi
10/10
7/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 2005

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: Frame,Stick Built,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal,Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Washer,Microwave,Oven/Range - Gas,Tankless Water Heater,Range Hood,Ice Maker
  • Laundry features: Dryer In Unit,Washer In Unit,Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2
  • Main level bathrooms: 3
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Crown Molding,Entry Level Bedroom,Open Floorplan,Primary Bath(s),Pantry,Recessed Lighting,Upgraded Countertops,Walk-In Closet(s),9'+ Ceilings
  • Door features: French Doors,Insulated,Storm Door(s)
  • Window features: Screens,Double Hung,Energy Efficient,Insulated Windows,Triple Pane Windows,Window Treatments
  • Flooring: Hardwood,Ceramic Tile,Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas/Propane
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,089

Heating & Cooling

  • Heating features: Heat Pump,ENERGY STAR Qualified Equipment,Forced Air,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 4,089
  • Total interior livable area: 4,089 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2403135705
  • Zoning: B-2
  • Special condition: Standard
  • Exclusions: See List On File From Sellers.

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Porch,Deck,Patio,Screened
  • Fencing: Electric
  • Has view: Yes
  • View description: Canal,Water,Scenic Vista
  • Has water view: Yes
  • Water view: Canal,Water
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Canal,Canoe/Kayak,Boat - Powered,Fishing Allowed,Personal Watercraft (PWC),Private Access
  • Frontage length: Water Frontage Ft: 105

Lot

  • Lot size: 0.50 Acres
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 8
  • Parking features: Garage Faces Front,Garage Door Opener,Oversized,Attached,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
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 $8,848$106,176
Home Insurance *$181$2,172
Property Taxes $1,341$16,092
Electricity $520$6,251
Total$10,890$130,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$373,371/yr
40% on housing$326,700/yr
45% on housing$290,400/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

$428This listing

vs Other Active Listings

Avg $/sqft

ZIP 21811$199
Worcester County$306

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
2026-08-11Contingent$1,749,900
2026-07-31Listed for sale$1,749,900
2020-08-27Sold$851,000
2020-06-29Listed for sale$849,900
2000-07-10Sold$117,625

For Sale by Agent

AgentNancy Reither
BrokerageColdwell Banker Realty

Similar Homes