8630 Elm Road
Chestertown, MD, 21620 $ 424,900
Bedrooms5 Baths2.1 Sq 1,936 Monthly Estimate*
$ 2,683
for $424,900 with 5 bedrooms and 2 full baths, 1 half bath. This 1,936 square foot home was built in 2006 on a lot size of 0.38.
Welcome to 8630 Elm Road, where comfortable living meets the relaxed pace of Marylands Eastern Shore. Set in a waterfront community, this refreshed five-bedroom, 2.5-bath home offers approximately 1,936 square feet of flexible living space on about 0.38 acres. Start the day with a quiet moment on the furnished front porch, then enjoy a layout with room to work from home, welcome guests, and spend time together. The fifth bedroom can serve as a home office separate from the main living area, a guest room, or a hobby space. Attractive ceiling fans throughout the home add both comfort and style. The updated kitchen features bright white cabinetry, a French-door refrigerator, and stainless-steel appliances. A new white porcelain herringbone backsplash is scheduled for installation on October 8. The spacious kitchen and dining area offer room to gather and enjoy a meal. The main living area is anchored by a stylish electric fireplace with custom floating shelving, creating a warm focal point for the home. Adjustable fireplace settings add to the cozy atmosphere. Step outside to the expanded deck, unwind in the hot tub, or gather around the fire pit. Imagine sharing hot chocolate and smores on a crisp fall evening, or taking a quiet moment to enjoy the setting and watch for local wildlife. Boating enthusiasts will appreciate the nearby seasonal marina, with restaurants and a dive bar about three blocks away, and a public boat ramp approximately one mile away, providing convenient access to the areas waterways. The expansive driveway offers parking for up to eight vehicles, with room for multiple cars, larger vehicles, and weekend guests. The partially finished one-car garage can become a game room, hobby area, home gym, or extra gathering space. Additional features include an approximately two-year-old water heater and a private well with a water-treatment and softening system, professionally serviced in 2025 with a new Clack neutralizer head installed. Furnishings throughout the home, including the porch furniture, are included. Though built in 2006, the home has been gently enjoyed primarily as a second home or vacation getaway and has received updates and improvements, including stainless-steel appliances, a built-in electric fireplace, and the newer water heater. This home could be a great fit if youre: Looking for a second home or vacation getaway you can enjoy yourself and explore renting part-time when youre away. Looking for an investment property with a history of income from both traditional and short-term rentals. Certain loan programs may consider rental income when evaluating an investment property; eligibility depends on lender guidelines. Looking for a primary residence with flexible living space and convenient access to the marina. Qualified buyers may be eligible for 0% down financing. Preferred Lender Credit: Eligible buyers may receive a lender credit when using the preferred lender. Financing programs and credits are subject to eligibility, underwriting, and lender approval. Whether youre looking for a primary residence, a weekend retreat, or a home designed for entertaining, 8630 Elm Road offers space, versatility, thoughtful updates, and the Eastern Shore lifestyle in one inviting package. Ready to see it in person? Schedule your private showing today through the listings appointment link!
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FeaturesGeneralLiving Area 1936
Sewer Public Sewer
Heating Heat Pump(s)
Cooling Central A/C Ceiling Fan(s)
Possession Settlement
Appliances Built-In Microwave Cooktop Dishwasher Dryer Icemaker Stainless Steel Appliances Stove Washer
Zoning RR
HOA Fee 50.00
Garage Spaces 1.00
Association Fee Includes Other
Patio/Porch Features Deck(s) Porch(es)
Architectural Style Cape Cod
Construction Materials Vinyl Siding
School District KENT COUNTY PUBLIC SCHOOLS
Year Built 2006
Levels 2
Tax Year 2025
Ownership Fee Simple
Cool Fuel Electric
Accessibility None
Assoc Fee Paid Per Annually
County KENT
New Construction N
Property Type Residential
HOA Y
Subdivision Name TOLCHESTER ESTATES
Garage Y/N Y
Water Access Y/N Y
Other Structures Above Grade Below Grade
Full Baths 2
Status ACTIVE
Directions located at 8630 Elm Rd
City CHESTERTOWN
Body of Water Chesapeake Bay
Senior Community Y/N N
Lot Size Units Square Feet
Lot Size Square Feet 16416.00
Tax Annual Amount 3193.0
Structure Type Detached
Condo/Coop Association fee Y/N N
Bathrooms Full Main Level 0
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 219.47
Vacation Rental Y/N N
Standard Status Active
Year Built Source Assessor
Legal Subdivision TOLCHESTER ESTATES
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InteriorInterior Amenities Attic Built-Ins Carpet Ceiling Fan(s) Kitchen - Eat-In Kitchen - Table Space Primary Bath(s) Wood Floors Formal/Separate Dining Room Floor Plan - Open
Heating Fuel Electric
Hot Water Electric
Basement (Y/N) N
Heating Y/N Y
Fireplace Y/N N
Above Grade Finished Area 1936
Half Baths 1
Central Air Y/N Y
Total Bedrooms 5
Below Grade Finished Area 0
Main Level Bedrooms 0
Below Grade Finished Area Unit Type Square Feet
Below Grade Finished Area Source Assessor
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3
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ExteriorPool No Pool
Lot Features Backs to Trees Landscaping
Water Source Well
Garage Features Garage Door Opener Inside Access
Type of Parking Driveway Attached Garage
Foundation Details Other
Water View Y/N N
Lot Size Acres 0.38
Water Body Type Bay
Lot Size Source Assessor
Waterfront Y/N N
Water Access Features Boat - Powered Canoe/Kayak Fishing Allowed
Land Assessed Value 52800.00
Navigable Water Y/N Y
Water Oriented Y/N Y
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* Excluded FeaturesList BySave 6, IncorporatedBroker
Affordability Calculator
- Monthly Principal & Interest
- $2,683
- Monthly Property Taxes
- $266
- Monthly Home Insurance
- --
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.
Learn more about how to save NearbySingle family listings in Chestertown, MD
Average List Price $565,292
Percent of Sale Price 33%
About Chestertown, MD 5,312 Population
10% Since 2002
$ 47,055 Median Income
32.86 Median Age
18% Households with Children
Trends Information provided by ATTOM Data Solutions.
3535796 Elementary School
3533824 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 8/26/2026 | $424,900 | -4.52% | Price Down |
| 8/8/2026 | $445,000 | | Listed Price |