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12808 Coastal Hwy Unit 203, Ocean City, MD, 21842

0beds
1baths
448sqft
$175,000
$391price/sqft
$1,569/moest. monthly cost
$62,760/yrincome needed

About This Home

Seeking a Beach Retreat? This is it! This convenient North Ocean City, MD location is just what you have been waiting for. Ocean block to the Beach, shopping, dining, close to the amusement parks, and attractions that Ocean City, MD has to offer! This Gem is a sizable efficiency that features a large balcony to enjoy the sweet salty breeze. The kitchen features a convenient breakfast bar, granite counter-top, and ample cabinet space. Spacious bathroom with tub/shower combo, and large linen closet featuring a bonus sink. Good rental potential or just keep it for yourself. Come enjoy the good life in Ocean City, MD.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
85
BikeVery Bikeable

Schools

10/10
10/10
7/10

Construction

Condition

  • Year built: 1974

Materials

  • Construction materials: Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 448

Heating & Cooling

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

Interior Area

  • Total structure area: 448
  • Total interior livable area: 448 sqft

Property

Accessibility

  • Accessibility features: Doors - Lever Handle(s)

Details

  • Parcel number: 2410156106
  • Attached to another structure: Yes
  • Zoning: R-3
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: Parking Lot

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
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Winter Weather
Inland Flooding
Ice Storm
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 $884$10,608
Home Insurance *$211$2,532
Property Taxes $193$2,316
Electricity $281$3,374
Total$1,569$18,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,794/yr
40% on housing$47,070/yr
45% on housing$41,840/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

$391This listing

vs Other Active Listings

Avg $/sqft

ZIP 21842$305
Worcester County$308

vs Homes Sold Last Month

Median $/sqft

ZIP 21842
Worcester County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-07Listed for sale$175,000
2026-02-20Listing removed$195,000
2025-09-20Listed for sale$195,000
2025-05-07Listing removed$10,000
2025-04-23Price change$10,000
2025-04-11Listed for rent$12,000
2003-05-29Sold$120,000
2000-05-25Sold$44,000

For Sale by Agent

AgentKaren Oass
BrokerageLong & Foster Real Estate, Inc.

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