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20495 Waterloo Lane

COLTONS POINT, MD 20626

5 beds
4 baths
3,719 sqft
~1/2 acre lot
$342 per sqft
1974 build

Breathtaking, expansive waterfront views, luxury, and premium amenities define this stunning 5-bedroom, 4-bathroom custom-built masterpiece—offering an exceptional waterfront living experience both inside and out. This waterfront oasis was TOTALLY REBUILT FROM THE SLAB UP IN 2006, all construction was permitted and documented. As you step into a beautiful ceramic tile foyer you will be immediately captivated by panoramic water views beyond. The great room is designed for both relaxation and entertaining, featuring panoramic waterfront views, an A-frame ceiling, a large granite gas fireplace, double beverage center with a wine/beverage cooler, pocket doors and recessed lighting. The gourmet kitchen is complete with granite countertops, abundant cabinetry, a separate island, an additional island bar with a sink, double gas convection ovens, a gas cooktop, and stainless steel appliances. Pella windows are installed throughout the home, complemented by Hunter Douglas window coverings—many with remote controls. Hardwood floors are featured in the main living areas and hallways, while premium wall-to-wall carpeting enhances each of the five bedrooms. For added comfort, heated ceramic floors are featured in the main foyer, kitchen, and primary bath. Each of the five bedrooms offers private access to a full bath, ensuring ultimate convenience and privacy. The expansive primary suite is a true retreat, boasting a spacious sitting area with panoramic water views, a large walk-in closet, and an additional bonus closet—ideal for storing valuables, seasonal clothing, or luggage. The luxurious ensuite bathroom includes a separate water closet, a linen closet, an oversized double vanity, a ceramic tile shower, and a large bubble tub. Outdoor living reaches new heights with a brand-new (2025) first-floor deck, extending from the primary suite to a guest bedroom, seamlessly blending indoor and outdoor spaces. A newly added upper-level deck off the water-facing bedroom provides the perfect spot to enjoy morning coffee while soaking in breathtaking views. The new stone entertaining patio, complete with built-in seating, overlooks the water, while the private 480-square-foot covered boathouse and additional 480-square-foot rooftop observation deck, enhanced with recessed lighting, offer unparalleled waterfront views and enjoyment. The property also features a private 110’ pier with an 8,000-pound remote-controlled boat lift (installed in 2017) and a rock riprap shoreline for durability and erosion protection. The detached, oversized 660 sq ft two-car garage includes a stairway leading to a fully wired, unfinished 660 sq ft space above—perfect for storage or future expansion. Additional premium features include: crawl space with concrete floor, A whole-house generator, two tankless water heaters with an immediate hot water loop for the kitchen, A high-efficiency three-zone heating and air conditioning system (2018 for the Great Room, 2024 for the upstairs and remaining downstairs) with remote app control and an Energy Return Ventilator for optimal comfort and efficiency. Don’t miss your chance to experience this exceptional waterfront dream—schedule your private showing today!

Listing courtesy of BRIGHT / RE/MAX One

Last checked: Checking… • Last updated Mar 13, 2025 •

MLS# MDSM2022466 —

The Building

Year Built:

1974
Year Built Source:

Assessor
Year Major Reno/Remodel:

2005
Roof:

Architectural Shingle
New Construction:

No
Construction Materials:

HardiPlank Type, Stone
Building Levels:

2
Structure Type:

Detached
Historic:

No
Architectural Style:

Contemporary
Levels:

1.5
Window Features:

Palladian, Screens, Insulated
Accessibility Features:

None
Other Equipment:

None
Foundation Details:

Crawl Space
Basement:

No
Building Winterized:

No
Total SqFt Source:

Estimated
Total Below Grade SqFt Source:

Assessor
Above Grade Finished Area Units:

Square Feet
Above Grade Finished SqFt:

3719
Above Grade Finished SqFt Source:

Estimated
Below Grade Finished Area Units:

Square Feet
Below Grade Unfinished Area Units:

Square Feet
Below Grade Finished SqFt Source:

Assessor
Below Grade Unfinished SqFt Source:

Assessor
Tax Total Finished SqFt:

4225

Interior

Interior Features:

Bar, Bathroom - Jetted Tub, Bathroom - Walk-In Shower, Bathroom - Tub Shower, Built-Ins, Carpet, Ceiling Fan(s), Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Gourmet, Kitchen - Island, Primary Bath(s), Recessed Lighting, Sound System, Upgraded Countertops, Walk-in Closet(s), Wet/Dry Bar, Window Treatments, Wood Floors
Flooring Type:

Carpet, Hardwood, Heated, Ceramic Tile
Fireplace:

Yes
Fireplaces:

1
Fireplace Features:

Stone, Gas/Propane
Wall & Ceilings:

High, Cathedral Ceilings, 2 Story Ceilings
Living Area SqFt Source:

Estimated

Room Dimensions

Total SqFt:

3719
Living Area SqFt:

3,719 Sqft

Financial & Terms

Sale Type:

Standard
Acceptable Financing:

Cash, Conventional, VA, FHA
Possession:

0-30 Days CD
Lease Considered:

No

Location

Directions:

Refer to GPS instructions
Latitude:

38.23123151
Longitude:

-76.77943900
Location Type:

River

The Property

Property Type:

Residential
Property Condition:

Excellent
Lot Size Units:

Square Feet
Lot Size Acres:

0.44
Lot Size Source:

Assessor
Lot Features:

Level, Rip-Rapped
Lot SqFt:

19,252 Sqft
Inclusions:

Sound system equipment and 4 Televisions
Additional Parcels:

No
Zoning:

RPD
Road Responsibility:

Road Maintenance Agreement
View:

Water, Panoramic
In City Limits:

No
Outdoor Living Structures:

Balcony, Deck(s), Patio(s), Porch(es)
Other Structures:

Above Grade, Below Grade
Waterview:

Yes
Waterfront:

Yes
Waterfront Features:

Private Dock Site, Rip-Rap
Water Oriented:

Yes
Water Access:

Yes
Water Access Features:

Boat - Powered, Fishing Allowed, Private Access, Canoe/Kayak
Distance To Water:

Blocks
Water Body Name:

Potomac
Water Body Type:

River
Mean Low Water Feet:

4
Navigable Water:

Yes
Water Frontage In Feet:

189
Land Use Code:

R
Ground Rent Exists:

No
Riparian Rights:

Yes

Listing Agent

Contact info:

Taxes

Tax ID Number:

1907007086
Tax Year:

2024
Tax Lot:

9
Tax Annual Amount:

$6,755
Tax Assessed Value:

$703,800
Year Assessed:

2024
County Tax:

6755.00
Total Taxes Payment Frequency:

Annually

Beds

Bedrooms:

5
Bedrooms Main Level:

3
Upper Level Bedrooms:

2
Upper Level 1 Bedrooms:

2

Baths

Total Baths:

4
Full Baths:

4
Main Level Baths:

3.00
Main Level Full Baths:

3
Upper Level Full Baths:

1
Upper Level Total Baths:

1
Upper Level Total Baths:

1.00
Upper Level Full Baths:

1

Heating & Cooling

Cooling Type:

Heat Pump(s), Central A/C
Central Air:

Yes
Cooling Fuel:

Electric
Heating:

Yes
Heating Type:

Heat Pump(s), Heat Pump - Gas BackUp
Heating Fuel:

Propane - Owned

Utilities

Utilities:

Propane, Cable TV
Sewer/Septic:

Private Septic Tank
Hot Water:

Propane
Water Source:

Well

Appliances

Appliances:

Cooktop, Dishwasher, Dryer - Electric, Microwave, Stainless Steel Appliances, Washer - Front Loading, Refrigerator, Range Hood, Oven - Wall, Oven - Double, Exhaust Fan, Dryer - Front Loading, Disposal
Laundry Type:

Main Floor

Schools

School District Name:

St. Mary's County Public Schools
School District Source:

Listing Agent

The Community

Subdivision Name:

Waterloo Shores
Senior Community:

No
Exterior Features:

Boat Storage, Roof Deck
Pool:

No Pool
Spa:

No
Docks:

1
Dock Type And Features:

Pier (Perpendicular)
Dock/Slip Conveyance:

Yes
Dock/Slip Conveyance:

Exclusive Use
Slips:

4
Association Recreation Fee:

No
HOA:

No
Condo/Coop Association:

No
Municipal Trash:

No

Parking

Total Garage and Parking Spaces:

6
Garage:

Yes
Garage Features:

Additional Storage Area, Garage - Front Entry, Garage - Side Entry, Garage Door Opener, Oversized
Garage Spaces:

2.00
Garage SqFt:

660
Type of Parking:

Detached Garage, Driveway
# of Detached Garage Spaces:

2
Driveway - # of Spaces:

4

Extra Units

Vacation Rental:

No

Monthly cost estimate

Asking price

$1,275,000

Expense	Monthly cost
Mortgage	$6,827
Taxes	$562
Insurance	$350
Utilities	$253 See report
Total	$7,992/mo.^*
	^*This is an estimate

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Bike Score®

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Air Pollution Index

Provided by ClearlyEnergy

Sale history

Date	Event	Source	Price	% Change
3/12/25 Mar 12, 2025	Listed / Active	BRIGHT	$1,275,000

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This house located in MD 20626 is currently for sale for $1,275,000. 20495 Waterloo Lane is a 3,719 square foot house with 5 beds and 4 baths.

Listing Courtesy of: BRIGHT and RE/MAX One.

The information included in this listing is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information on each listing is furnished by the owner and deemed reliable to the best of his/her knowledge, but should be verified by the purchaser. BRIGHT MLS and Estately assume no responsibility for typographical errors, misprints or misinformation. This property is offered without respect to any protected classes in accordance with the law. Some real estate firms do not participate in IDX and their listings do not appear on this website. Some properties listed with participating firms do not appear on this website at the request of the seller.