Tiara Waters

15445 Potomac River Drive

Cobb Island, MD
$ 899,000 Beds 4 Baths 3 Sq 2,554
Monthly Estimate* How much can I afford?

This waterfront 4 bedroom, 3 bathroom retreat is perfectly positioned on the Potomac River with sweeping views and unforgettable sunsets. Offered fully furnished, this home is truly move-in readywhether youre looking for a primary residence, a second home, or an Airbnb investment. Completely reimagined in 2022, the property was lifted to meet modern floodplain requirements and enhanced with a full remodel and addition, blending timeless coastal charm with todays comfort and efficiency. Inside you are greeted by floor-to-ceiling water views framed by expansive windows and doors across the back of the home. The open main level features a wood-burning insert fireplace separating the kitchen and family room, a shiplap ceiling, and durable LVP flooring. The gourmet kitchen boasts all new appliances, including an 8-burner double oven gas range, while the adjacent partially covered deck with Trex flooring and hot tub invites you to relax or entertain outdoors. The layout is both functional and inviting, offering a first-floor bedroom and bath, two additional bedrooms and a spa-inspired bath upstairs, plus a stunning owners suite with commanding Potomac River views. Bathrooms are all new, with a soaking tub upstairs and a dual-head shower downstairs. Every bedroom is equipped with its own ductless mini-split for customized comfort and energy savings. Additional highlights include bamboo flooring upstairs, craftsman trim, a whole-house water filter, new well tank, and tankless Infinity water heater. A finished bunk room (possible 5th bedroom) above the detached workshop with its own entrance and mini-split HVAC adds versatile space for guests, hobbies, or work. The property also features a pier with a 10,000 lb boat lift, making it easy to explore the Potomac River, Wicomico River, and Neale Sound. Life on Cobb Island is as special as the home itself. This golf-cart and water-access community offers no HOA, yet the Citizens Association keeps the island lively with events like Cobb Island Day, Witches on the Water, Monarch Mania, and the Lighting of the Christmas Crab Basket Tree. Local marinas, restaurants, and the recently updated market are all just a short stroll or cart ride away. Fully furnished and turnkey, this is waterfront living at its finest and ready for you to start making memories from day one.

ACTIVE

  • Price
  • $ 899,000
  • City
  • Cobb Island
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • CHARLES
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.32 Acres
  • Zip
  • 20625
  • Sqr Footage
  • 2,554
  • Year Built
  • 1937
  • Taxes
  • $ 6988
  • Style
  • Traditional,Craftsman,Colonial
  • MLS#
  • MDCH2053108
Listed By: Sarah Swann with Baldus Real Estate, Inc. - 3019348407;
Data Source: Bright MLS

Features

General

Living Area 2554
Sewer Public Sewer
Heating Heat Pump(s)
Cooling Central A/C
Possession Settlement
Zoning R
Architectural Style Traditional,Craftsman,Colonial
Construction Materials Cement Siding,Composition
School District CHARLES COUNTY PUBLIC SCHOOLS
Year Built 1937
Levels 2
Tax Year 2024
Ownership Fee Simple
Cool Fuel Electric
Waterfront Features Exclusive Easement,Private Dock Site
Accessibility None
County CHARLES
New Construction No
Property Type Residential
HOA No
Subdivision Name COBB ISLAND
Garage Y/N No
Water Access Y/N Yes
Other Structures Above Grade,Below Grade
Full Baths 3
Status ACTIVE
Directions Rt. 257 to Cobb Island Road. Turn left onto Potomac River Drive,property is located on the right
City COBB ISLAND
Body of Water Potomac River
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 13754.00
Tax Assessed Value 576867.0
Tax Annual Amount 6988.0
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 1
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 352.0
Vacation Rental Y/N No
Total SQFT 2554
Standard Status Active
Year Built Source Assessor
Legal Subdivision COBB ISLAND SUB
Federal Flood Zone AO

Interior Features

Heating Fuel Electric
Total Fireplaces 1
Hot Water Bottled Gas
Basement (Y/N) No
Heating Y/N Yes
Fireplace Y/N Yes
Above Grade Finished Area 2554
Central Air Y/N Yes
Total Bedrooms 4
Room Type Living Room,Primary Bedroom,Bedroom 2,Bedroom 3,Bedroom 4,Kitchen,Family Room,Laundry,Bathroom 2,Bathroom 3,Primary Bathroom
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Assessor
Below Grade Unfin Area Units Square Feet
Below Grade Unfin SQFT Source Assessor
Below Grade Finished Area Source Assessor
Bedrooms Count All Upper Levels 3
Bedrooms Count Upper Level 1 3
Bathrooms Full Upper Level 1 2
Bathrooms Full All Upper Levels 2
Bathrooms Count Upper Level 1 2.00
Bathrooms Count All Upper Levels 2
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3

Exterior Features

Pool No Pool
Water Source Well
Type of Parking Driveway
Foundation Details Flood Vent,Pillar/Post/Pier,Pilings
Water View Y/N No
Lot Size Acres 0.32
Water Body Type River
Lot Size Source Estimated
Waterfront Y/N Yes
Water Access Features Canoe/Kayak,Fishing Allowed,Private Access,Boat - Powered
Number of Docks 1
Land Assessed Value 230000.00
Navigable Water Y/N Yes
Number of Slips 2
Water Oriented Y/N Yes
Dock/Slip Conveys YN Yes
Dock Type and Features Hoist/Lift Electric,Material - Treated Lumber,Pier (Perpendicular),Private

Room Details

Bathroom 2 Upper 1
Bathroom 3 Main
Bedroom 2 Upper 1
Bedroom 3 Upper 1
Bedroom 4 Main
Family Room Main
Kitchen Main
Laundry Upper 1
Living Room Main
Primary Bathroom Upper 1
Primary Bedroom Upper 1

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Owings Mills, MD office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Dr. Thomas L. Higdon Elementary School
Middle School Piccowaxen Middle School
High School La Plata High School

Price History

4/4/2026 Listed $935,000
8/21/2026 4% - $899,000

Property vs Zip Code Average in 20625

Price
AVG $900K
$900K
Taxes
AVG $6,988
$6,988
Year Built
AVG 1937
1937
Visits
AVG 969
939
Data Provided by Inside Real Estate®

Areas That We Cover

15445 Potomac River Drive Cobb Island, MD is a Single Family Home for sale at $899000 with 2554 sqft and a lot size of 0.32 Acres Acre(s). 15445 Potomac River Drive Cobb Island has 4 bedrooms, 3 baths and was built in 1937. The property's zip code is 20625 which is in Cobb Island, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Tiara Waters

Tiara Waters

REALTOR®

443-254-2707

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