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Here’s What You Need to Know
Dreaming of waking up to sunrise views over the water or spending your evenings on a private dock? Buying a waterfront home on Maryland’s Eastern Shore or in coastal Delaware is a lifestyle choice that offers serenity, recreation, and breathtaking scenery. But before diving into this type of real estate, it’s important to understand the unique considerations that come with waterfront living.
In this guide, we’ll walk you through what you need to know before buying a waterfront property—from location and flood insurance to long-term value.
Location, Location, Waterfront Location
Waterfront properties vary greatly in terms of access, water type (river, bay, ocean, lake), and proximity to town centers. In Maryland, areas like Chestertown, Rock Hall, and Easton offer a mix of river and bayfront homes. Chesapeake City and Cecil County provide unique canal and riverfront opportunities. In Delaware, explore options near the Delaware Bay.
Understand the Shoreline and Property Rights
Be sure to check if the property includes riparian rights, private dock access, or shared use. This affects how you access the water and your privacy.
Insurance & Flood Zones
Many waterfront homes fall in designated flood zones and require specific insurance. Request the flood zone map for any property and get estimates for flood insurance and potential windstorm or hurricane insurance.
Maintenance and Weather Impact
Salt air, storms, and humidity can cause faster wear on coastal properties. Be prepared for dock repairs, corrosion, and higher maintenance costs. Look for materials made for coastal durability.
Lifestyle and Recreation
Do you love boating, fishing, or kayaking? Some properties offer deep-water access for yachts, while others suit paddleboards or kayaks. Confirm water depth, dock permits, and HOA rules.
Resale Value and Investment
Waterfront real estate can be a great investment. However, market conditions, erosion risk, and zoning regulations impact resale value. Work with a local expert for long-term insight.
Work with a Local Waterfront Specialist
Coldwell Banker Chesapeake Real Estate has agents in Chestertown, Easton, and Chesapeake City who specialize in Eastern Shore waterfront homes. From tide tables to dock permits, we help guide you through every step of the process.
Ready to Find Your Perfect Waterfront Home?
Explore our listings or connect with one of our experienced agents to learn more about buying waterfront property on the Eastern Shore. Whether you’re seeking a weekend retreat or a year-round residence, we’re here to help you navigate every tide and turn.
Coldwell Banker Chesapeake Real Estate – Guiding You Home, Wherever the Shore Leads.
About Coldwell Banker Chesapeake
With over 50 agents, three conveniently located offices, and the ability to serve clients anywhere, Coldwell Banker Chesapeake is your go-to for exceptional real estate services. Whether you’re in Easton, Chestertown, or Chesapeake City, our local experts are ready to assist. As Maryland’s top-ranked Coldwell Banker, we’re committed to providing top-tier service. Visit www.cbchesapeake.com for your real estate needs, or explore career opportunities at www.cbchesapeakecareer.com.
