WATERFRONT GUIDE

Types of Waterfront Properties

WATERFRONT ESTATES // This is our ultra-luxury division of homes, most often with acreage and facilities to support the estate. Maryland has quite a few of these but to see them hit the market is certainly rare.

WATERFRONT HOMES // Our most popular search criteria by far for our clients.

WATERFRONT LOTS // Our market has mostly been developed which makes these rare gems so special.

WATERFRONT CONDOS // Our market offers a bounty of waterfront condo options in various communities with varying amenities.

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EMBRACE THE LIFESTYLE

Maryland’s waterfront community embodies a unique blend of maritime tradition, coastal lifestyle, and community spirit.

Whether you’re a seasoned boater, a family of beachgoers, or someone seeking the peaceful allure of the water, Maryland’s waterfront scene has something for everyone. The waterfront lifestyle here is not just about being near the water; it’s about fostering connections, honoring heritage, and embracing a way of life that values outdoor adventure, community, and a deep appreciation for the natural world.

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NOTABLE LOCATIONS IN THE REGION

Explore the standout waterfront destinations that define the culture, charm, and coastal lifestyle of Maryland’s most desirable shoreline regions.

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CONSIDERATIONS OF WATERFRONT LIVING

Flood Insurance

Living on the water often means living in a flood zone, which can affect your insurance requirements. Even if your property is not in a high-risk flood zone, it's wise to assess whether flood insurance is needed. Check with your insurance provider and determine whether an Elevation Certificate is required. Keep in mind that flood insurance premiums can vary based on your property's proximity to the water and its flood zone designation.

Erosion Control

Erosion can be a significant issue for waterfront properties, especially along tidal areas. Bulkheads, retaining walls, and riprap (rock barriers) are commonly used to protect against erosion. Work with local contractors to assess the condition of your waterfront edge and determine if erosion control measures are needed. Permits may be required for installing erosion protection systems.

Environmental Considerations

Living on the water means being a steward of the local ecosystem. Tidal waters and wetlands are sensitive areas that may have restrictions on building and landscaping. Be aware of local environmental regulations, especially if your property includes wetlands or protected shoreline. Many areas in Maryland have critical area laws that regulate development near the water.

Flood Insurance

Living on the water often means living in a flood zone, which can affect your insurance requirements. Even if your property is not in a high-risk flood zone, it's wise to assess whether flood insurance is needed. Check with your insurance provider and determine whether an Elevation Certificate is required. Keep in mind that flood insurance premiums can vary based on your property's proximity to the water and its flood zone designation.

Erosion Control

Erosion can be a significant issue for waterfront properties, especially along tidal areas. Bulkheads, retaining walls, and riprap (rock barriers) are commonly used to protect against erosion. Work with local contractors to assess the condition of your waterfront edge and determine if erosion control measures are needed. Permits may be required for installing erosion protection systems.

Environmental Considerations

Living on the water means being a steward of the local ecosystem. Tidal waters and wetlands are sensitive areas that may have restrictions on building and landscaping. Be aware of local environmental regulations, especially if your property includes wetlands or protected shoreline. Many areas in Maryland have critical area laws that regulate development near the water.

Flood Insurance

Living on the water often means living in a flood zone, which can affect your insurance requirements. Even if your property is not in a high-risk flood zone, it's wise to assess whether flood insurance is needed. Check with your insurance provider and determine whether an Elevation Certificate is required. Keep in mind that flood insurance premiums can vary based on your property's proximity to the water and its flood zone designation.

Erosion Control

Erosion can be a significant issue for waterfront properties, especially along tidal areas. Bulkheads, retaining walls, and riprap (rock barriers) are commonly used to protect against erosion. Work with local contractors to assess the condition of your waterfront edge and determine if erosion control measures are needed. Permits may be required for installing erosion protection systems.

Environmental Considerations

Living on the water means being a steward of the local ecosystem. Tidal waters and wetlands are sensitive areas that may have restrictions on building and landscaping. Be aware of local environmental regulations, especially if your property includes wetlands or protected shoreline. Many areas in Maryland have critical area laws that regulate development near the water.

Flood Insurance

Living on the water often means living in a flood zone, which can affect your insurance requirements. Even if your property is not in a high-risk flood zone, it's wise to assess whether flood insurance is needed. Check with your insurance provider and determine whether an Elevation Certificate is required. Keep in mind that flood insurance premiums can vary based on your property's proximity to the water and its flood zone designation.

Erosion Control

Erosion can be a significant issue for waterfront properties, especially along tidal areas. Bulkheads, retaining walls, and riprap (rock barriers) are commonly used to protect against erosion. Work with local contractors to assess the condition of your waterfront edge and determine if erosion control measures are needed. Permits may be required for installing erosion protection systems.

Environmental Considerations

Living on the water means being a steward of the local ecosystem. Tidal waters and wetlands are sensitive areas that may have restrictions on building and landscaping. Be aware of local environmental regulations, especially if your property includes wetlands or protected shoreline. Many areas in Maryland have critical area laws that regulate development near the water.

KEY TERMINOLOGY

'USE' RELATED TERMS

Riparian Rights // Refer to the rights of landowners whose property borders a body of water. In Maryland, these rights give property owners the ability to use and access the water adjacent to their land for activities like boating, fishing, or swimming. If you own waterfront property, understanding your riparian rights can impact where you can build docks, install bulkheads, or access the water. Navigable Waters // Navigable waters are bodies of water that are deep and wide enough for boats and ships to pass through. If your waterfront property borders navigable waters, you may have more flexibility for boating activities. Properties on navigable waters can increase the value of your home, especially if you are a boating enthusiast.

INSURANCE RELATED TERMS

Flood Zones // The Federal Emergency Management Agency (FEMA) designates flood zones based on the likelihood of flooding. Zones are classified as high-risk, moderate-risk, or low-risk. If your property is in a high-risk flood zone, you may be required to purchase flood insurance, and building regulations may apply to mitigate flood risks. Elevation Certificate // A document that provides the elevation of a building in relation to the base flood elevation (BFE) in a flood-prone area. This helps determine the flood risk and insurance premiums. If your waterfront property is located in a flood zone, an Elevation Certificate can be crucial for determining your flood insurance costs and whether any modifications need to be made to protect your home. Storm Surge // A rise in sea level caused by high winds and atmospheric pressure during storms. It can lead to temporary flooding of low-lying areas. Properties in areas vulnerable to storm surges may require specific measures like elevated foundations, bulkheads, or flood barriers to protect against damage.

LAND RELATED TERMS

Bulkhead // A retaining wall or barrier built along the shoreline to protect against erosion and rising tides. It helps prevent soil erosion and preserves the waterfront edge. If your property is along a body of water susceptible to erosion, you may need to consider installing or maintaining a bulkhead to protect your land. Setbacks // Setback refers to the required distance between a structure and the water’s edge or property boundary. This is often regulated by local zoning laws to protect the shoreline and manage environmental impact. Setback regulations may impact where you can build new structures, such as a deck, pier, or boathouse.

DOCK RELATED TERMS

Dredging // Dredging is the process of removing sediment or debris from the bottom of water bodies to deepen the waterway. This is often done to maintain navigability or prepare for dock installation. If the water depth near your property is too shallow for boats, dredging may be required, but it can involve permits and environmental considerations. Mean High Water Line // A retaining wall or barrier built along the shoreline to protect against erosion and rising tides. It helps prevent soil erosion and preserves the waterfront edge. If your property is along a body of water susceptible to erosion, you may need to consider installing or maintaining a bulkhead to protect your land. Dockage // Refers to the space or structure where a boat can be moored or docked. It includes private docks, marina slips, and moorings.Owning or accessing dockage is a key advantage for waterfront living, allowing you to keep your boat close to home.

Intro

Maryland’s stunning coastlines, serene waterways, and vibrant waterfront heritage create an ideal setting for those seeking a lifestyle intertwined with the water. From the quiet beauty of secluded inlets to the lively scene at bustling marinas, the waterfront experience here offers more than just a view; it’s a thriving community where the love for the water brings people together.

Whether you’re a seasoned sailor, an avid angler, or simply drawn to the peaceful allure of the water, Maryland offers a wide array of waterfront attractions, events, and recreational opportunities. Here, the appreciation for waterfront living is celebrated through activities like leisurely boat rides, exciting regattas, and community gatherings. The region’s marinas, beaches, and yacht clubs welcome enthusiasts of all levels, ensuring that everyone—from boating beginners to experienced seafarers—can enjoy the rich and rewarding lifestyle of Maryland’s waterfront.

Welcome to a world where boaters and water lovers thrive, and every ride is an opportunity for adventure, connection, and personal growth. In this guide, we’ll explore Maryland’s stunning coastlines, serene waterways, and vibrant waterfront heritage create an ideal setting for those seeking a lifestyle intertwined with the water.

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KEY TERMINOLOGY

CONSIDERATIONS OF WATERFRONT LIVING

WATERFRONT HUBS

WATERFRONT SPECIALISTS

WATERFRONT REAL ESTATE

NOTABLE LOCATIONS IN THE REGION

COMMUNITY AND LIFESTYLE

WATERFRONT REAL ESTATE

Maryland’s waterfront real estate combines natural beauty, luxury, and prime access to the water, making it an exceptional choice for those seeking a life along the shore.

Whether you’re envisioning a private bayfront estate with a dock, a cozy riverfront retreat, or a property near bustling marinas and yacht clubs, Maryland’s waterfront homes offer a lifestyle rich in relaxation and recreation. Explore our guide to find the ideal blend of coastal living and convenience, with properties perfectly suited to your waterfront dreams.

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