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106 120th St Unit 406, Ocean City, MD, 21842

1beds
2baths
1,100sqft
$375,000
$341price/sqft
$2,813/moest. monthly cost
$112,520/yrincome needed

About This Home

HERE YOU GO!! 2 LEVEL TOWN HOME 406 MARLIN COVE I, 120TH ST, BAYSIDE, 1 BR 1.5 BA, WITH A HUGE LOFT THAT IS USED AS A BEDROOM, NEW FLOORING, 1,100 SQ FT, WITH A SINGLE CAR GARAGE, FULLY FURNISHED, 2 OUTDOOR POOLS, BOAT SLIPS CAN BE RENTED, IF THEY ARE AVAILABLE, CROSS WALK AT 12OTH ST TO BE ABLE TO WALK TO THE BEACH SAFELY, GROCERY STORE AND DRUG STORE, JUST A SHORT WALK AWAY, A NON RENTAL, YOU WILL LOVE THIS UPTOWN LOCATION, VERY CLOSE TO EVERYTHING, THE LOFT CAN BE EASILY CLOSED OFF TO MAKE A PERMANENT SECOND BEDROOM, NEW HVAC IN 2024, NEW HOT WATER HEATER IN 2025, THERE AREN'T MANY GARAGES IN OC, SO HERE YOU WILL HAVE ONE, FOR EITHER A CAR OR ALL OF YOUR BEACH TOYS, 2 OUTDOOR SALT TREATED DECKS THAT HAVE JUST BEEN REBUILT, TAKE A LOOK AT THIS PROPERTY BEFORE YOU MAKE YOUR BUYING DECISION!!

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
79
BikeVery Bikeable

Schools

10/10
10/10
7/10

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Frame,Stick Built

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Oven/Range - Electric,Range Hood,Refrigerator,Washer,Water Heater,Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Combination Kitchen/Dining,Dining Area,Floor Plan - Traditional,Kitchen - Galley,Primary Bath(s),Walk-In Closet(s),Dry Wall
  • Window features: Window Treatments
  • Flooring: Laminate,Carpet,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,100

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Heat Pump,Electric

Interior Area

  • Total structure area: 1,100
  • Total interior livable area: 1,100 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2410239834
  • Zoning: R-2
  • Special condition: Standard
  • Exclusions: Personal Items Only

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Deck
  • Exterior features: Lighting,Outdoor Shower,Sidewalks,Street Lights,Balcony
  • Has view: Yes
  • View description: Street

Lot

  • Features: Cleared
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Inside Entrance,Paved,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

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 $1,896$22,752
Home Insurance *$211$2,532
Property Taxes $425$5,100
Electricity $281$3,374
Total$2,813$33,756
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,445/yr
40% on housing$84,390/yr
45% on housing$75,013/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

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 21842$304
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
2026-07-02Listed for sale$375,000
2024-03-14Sold$395,000
2024-02-08Contingent$399,990
2024-01-29Price change$399,990
2024-01-05Listed for sale$425,000
2017-08-07Sold$220,000
2015-10-23Sold$202,000

For Sale by Agent

AgentWayne Phillips
BrokerageCoastal Life Realty Group LLC

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