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322 S 2nd St, Denton, MD, 21629

5beds
5baths
4,853sqft
$1,550,000
$319price/sqft
$10,686/moest. monthly cost
$427,440/yrincome needed

About This Home

Wake up to sunrise on the Choptank River and wind down with some of the most stunning sunsets on the Eastern Shore — with Ospreys, Eagles, Herons, and an abundance of wildlife as your daily backdrop. This stunning 4,853 sq ft waterfront estate sits on 2.44 acres with 268 feet of private river frontage, putting you right on the water and just steps from the best of historic downtown Denton. Built in 2006 and extensively renovated in 2016, this 5-bed, 4.5-bath home has been meticulously maintained — nothing to do but move in. Two private primary suites on the main level each offer a serene river view retreat, ideal for multi-generational living or hosting guests in style. Three additional bedrooms upstairs provide room to spread out. Soaring 9-ft ceilings, hardwood floors with a dark walnut finish, maple paneling, and a custom Hagerstown Kitchens kitchen set the tone for quality throughout. Entertain on the brand-new Trex deck (2025) or unwind on the screened porch with spectacular western sunsets — and those views are yours forever. The land across the river is a protected Resource Conservation Area. All major systems are in excellent condition and maintained on yearly service contracts: three Carrier variable-speed HVAC units, dual Rinnai tankless water heaters, closed-cell foam insulation, and Hardie Board siding. The private dock features 8 ft MLW, a boat lift, and dedicated kayak dock with water, 240V power, and security cameras — accessed via hand-laid stone steps. Ospreys, Eagles, Herons, and Owls are regular visitors. A dedicated wellness room with river view includes a voice-command sauna, cold plunge, full shower, and workout space. The 3-bay epoxy-floored garage with LED lighting offers abundant storage for all your gear. A short walk to historic downtown Denton — an Eastern Shore best-kept secret with Eden Town Brewery, award-winning Caroline's Restaurant, Clayton Farms, and Shore Gourmet and the Chesapeake Culinary Center. Easton, St. Michaels, and Oxford are less than 30 minutes away, while Annapolis, Ocean City, Rehoboth Beach, Assateague, and Chincoteague are all within roughly an hour. You're already in the heart of it all.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
Denton Elementary SchoolGrades PK-50.8 mi
4/10
Lockerman Middle SchoolGrades 6-80.8 mi
4/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 2006

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: HardiPlank Type

Notable Dates

  • Major remodel year: 2016

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Energy Efficient Appliances,Exhaust Fan,Extra Refrigerator/Freezer,Ice Maker,Oven/Range - Gas,Range Hood,Six Burner Stove,Refrigerator,Washer,Tankless Water Heater,Water Heater
  • Laundry features: Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Attic,Other,Sauna,Recessed Lighting,Primary Bedroom - Bay Front,Pantry,Kitchen Island,Kitchen - Gourmet,Formal/Separate Dining Room,Open Floorplan,Family Room Off Kitchen,Entry Level Bedroom,Crown Molding,Ceiling Fan(s),Butlers Pantry,Soaking Tub
  • Flooring: Hardwood,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 4,853

Heating & Cooling

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

Interior Area

  • Total structure area: 4,853
  • Total interior livable area: 4,853 sqft

Property

Accessibility

  • Accessibility features: Grip-Accessible Features,Accessible Entrance,Roll-in Shower

Details

  • Parcel number: 0603021041
  • Zoning: SR
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Exterior features: Extensive Hardscape,Lighting,Rain Gutters
  • Has spa: Yes
  • Spa features: Private
  • Has view: Yes
  • View description: River,Scenic Vista,Water,Park/Greenbelt
  • Has water view: Yes
  • Water view: River,Water
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,River,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Sail,Swimming Allowed,Waterski/Wakeboard
  • Waterbody name: Choptank River
  • Frontage length: Water Frontage Ft: 268

Lot

  • Lot size: 2.44 Acres
  • Features: Level,Premium,Private,Stream/Creek
  • Lot size dimensions: 185.00 x

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Side,Garage Faces Front,Garage Door Opener,Inside Entrance,Oversized,Asphalt,Circular Driveway,Driveway,Private,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Hurricane
    HurricaneRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Strong Wind
Winter Weather
Coastal Flooding
Cold Wave
Heat Wave
Lightning
Wildfire
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 $7,837$94,044
Home Insurance *$728$8,736
Property Taxes $1,503$18,036
Electricity $618$7,419
Total$10,686$128,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$366,377/yr
40% on housing$320,580/yr
45% on housing$284,960/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$319This listing

vs Other Active Listings

Avg $/sqft

ZIP 21629$238
Caroline County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 21629
Caroline County$201

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
2026-05-27Listed for sale$1,550,000
2016-05-23Sold$565,000
2016-04-27Pending sale$599,000
2016-03-18Listed for sale$599,000

For Sale by Agent

AgentLiz Osborn
BrokerageColdwell Banker Realty

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