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Est. monthly payment

$2,745/mo

20% down · 6.9% · 30-yr

$434,900 list price

45 Watertown,Ocean Pines, MD 21811

beds

baths

1,476

sqft

2021

built

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Overview

Nestled in a tranquil setting within the sought-after Ocean Pines community, this beautifully maintained 3-bedroom, 2-bath home offers comfortable coastal living. Just five years young, the home features an open-concept floor plan designed for easy everyday living and entertaining. Relax on the inviting front porch or enjoy the peaceful surroundings from the spacious three-season room. Situated across the street from the water, this property provides a serene backdrop while remaining close to all the amenities Ocean Pines has to offer. A wonderful opportunity to enjoy a low-maintenance lifesty...

Listing updated: July 10, 2026 at 2:36 PM

Listed by:

Sandra A Mattes 4432502730, Keller Williams Realty Delmarva

Source: Bright MLS · MLS #MDWO2039132

Property details

Your cost estimate

Est. monthly payment

$2,745/mo

Principal & interest

$2,280

Property tax

$239

Home insurance (est.)

$145

HOA fee

$81

Down payment

$86,98020% of list price

Adjust down payment20%

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Based on 20% down ($86,980), 6.85% interest rate, 30-year fixed. Insurance is an estimate. Actual costs may vary.

Rates provided by Mable Loans.

Personalized Mortgage Summary

Price history

Date	Event	Price
Jun 19, 2026	Listed for sale	$434,900

Location

45 Watertown, Ocean Pines, MD 21811

Nearby schools

School district: Worcester County Public Schools

Stephen Decatur

High School

Est. monthly payment

$2,745/mo

at 20% down · $434,900 list

Tour for free, no strings attached

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Ask a question (703) 349-5477

Mable Loans · Equal Housing Lender
NMLS #1949497

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This home sale information is not to be construed as an appraisal and may not be used as such for any purpose. BRIGHT MLS is the (or a) provider of this home sale information and has compiled content from various sources. Some properties represented may not have actually sold due to reporting errors.