3539 BAY DRIVE, BALTIMORE, MD 21220 - Turning Houses into Homes!

$1,575,000

Set along the coveted Bowley's Quarters waterfront, this exceptional custom-built residence commands a premier position on the Chesapeake Bay at the mouth of the Middle River - offering sweeping, year-round water views and an unparalleled setting for both grand entertaining and everyday living. The main level is defined by rich… Read More hardwood flooring and expansive windows that flood the home with natural light while framing panoramic bay vistas from the living room, dining room, and kitchen. The kitchen has been thoughtfully reimagined with new countertops, freshly painted cabinetry, and updated appliances, blending modern functionality with timeless appeal. The spacious primary suite serves as a private retreat, complete with direct access to the deck and breathtaking water views, a generous walk-in closet, and an expansive en-suite bath. Throughout the home, five well-proportioned bedrooms - each accommodating king-size furnishings - offer comfort and flexibility, complemented by custom closet systems that provide exceptional storage. Outdoor living is equally impressive, with premium Ipe wood decking extending across the main level and wrapping around the porch and deck areas, creating a seamless connection to the surrounding landscape. Durable James Hardie Plank siding enhances both aesthetics and longevity, while recent updates - including a new deck awning and stamped concrete walkways. The fully fenced rear yard offers privacy and security, while the 100-foot waterfront is a true boater's haven, featuring an 8,500 lb boat lift, two jet ski lifts, and a mooring pole - providing effortless access to the bay. Ample parking is accommodated by a spacious concrete driveway for approximately nine vehicles, an attached two-car garage, and a detached two-car garage with loft space, currently configured as a workshop with potential for further customization. The lower level offers exceptional versatility, featuring a fully finished basement with a full bar, expansive recreation space, a full bath, and an additional bedroom with tranquil water views - ideal for guests or extended living. A rare offering, this waterfront estate seamlessly blends custom craftsmanship, meaningful updates, and direct Chesapeake Bay access - delivering a truly turnkey lifestyle defined by comfort, elegance, and unforgettable views. Read Less

Courtesy of Matt Fischer, Monument Sotheby's International Realty 443-906-3840

Listing Snapshot

Days Online

Last Updated

Mar 31, 2026

Property Type

Single Family Residential

Beds

Full Baths

Partial Baths

Square Ft.

3,731

Lot Size

0.61 Acres

Year Built

2005

MLS Number

MDBC2157174

Additional Details

Appliances & Equipment

Built-In Microwave, Dishwasher, Dryer, Exhaust Fan, Extra Refrigerator/Freezer, Oven - Double, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Stainless Steel Appliances, Washer, Water Heater

Building

Built in 2005, Living area: 3731, Levels: 3, Construction Materials: HardiPlank Type

Cooling

Central A/C

Accessibility Features

None

Exterior Features

Patio/Porch Features: Deck(s), Patio(s), Wrap Around, Awning(s), Extensive Hardscape

Fireplaces

1 fireplace, Gas/Propane

Garage

3 spaces

Heating

Forced Air, Zoned

Interior Features

Bar, Bathroom - Tub Shower, Bathroom - Walk-In Shower, Breakfast Area, Built-Ins, Carpet, Ceiling Fan(s), Combination Kitchen/Living, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Eat-In, Kitchen - Island, Kitchen - Table Space, Primary Bath(s), Primary Bedroom - Bay Front, Recessed Lighting, Sauna, Upgraded Countertops, Walk-in Closet(s), Wood Floors

Lot

0.61 acres, Dimensions: 1.00 x

Property

Excellent, Other structures: Above Grade

Sewer

Grinder Pump, Public Septic

Taxes

Annual Amount: $14,344, Lot: 24, Year: 2026, Zoning: RESIDENTIAL

Utilities

Water Source: Public

Water Features

Water Body Name: Chesapeake Bay, Private Dock Site, Rip-Rap

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