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!
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Last updated Mar 13, 2025
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MLS# MDSM2022466 —
The Building
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Year Built:1974
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Year Built Source:Assessor
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Year Major Reno/Remodel:2005
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Roof:Architectural Shingle
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New Construction:No
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Construction Materials:HardiPlank Type, Stone
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Building Levels:2
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Structure Type:Detached
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Historic:No
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Architectural Style:Contemporary
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Levels:1.5
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Window Features:Palladian, Screens, Insulated
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Accessibility Features:None
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Other Equipment:None
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Foundation Details:Crawl Space
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Basement:No
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Building Winterized:No
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Total SqFt Source:Estimated
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Total Below Grade SqFt Source:Assessor
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Above Grade Finished Area Units:Square Feet
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Above Grade Finished SqFt:3719
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Above Grade Finished SqFt Source:Estimated
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Below Grade Finished Area Units:Square Feet
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Below Grade Unfinished Area Units:Square Feet
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Below Grade Finished SqFt Source:Assessor
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Below Grade Unfinished SqFt Source:Assessor
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Tax Total Finished SqFt:4225
Interior
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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
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Flooring Type:Carpet, Hardwood, Heated, Ceramic Tile
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Fireplace:Yes
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Fireplaces:1
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Fireplace Features:Stone, Gas/Propane
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Wall & Ceilings:High, Cathedral Ceilings, 2 Story Ceilings
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Living Area SqFt Source:Estimated
Room Dimensions
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Total SqFt:3719
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Living Area SqFt:3,719 Sqft
Financial & Terms
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Sale Type:Standard
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Acceptable Financing:Cash, Conventional, VA, FHA
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Possession:0-30 Days CD
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Lease Considered:No
Location
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Directions:Refer to GPS instructions
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Latitude:38.23123151
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Longitude:-76.77943900
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Location Type:River
The Property
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Property Type:Residential
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Property Condition:Excellent
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Lot Size Units:Square Feet
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Lot Size Acres:0.44
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Lot Size Source:Assessor
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Lot Features:Level, Rip-Rapped
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Lot SqFt:19,252 Sqft
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Inclusions:Sound system equipment and 4 Televisions
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Additional Parcels:No
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Zoning:RPD
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Road Responsibility:Road Maintenance Agreement
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View:Water, Panoramic
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In City Limits:No
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Outdoor Living Structures:Balcony, Deck(s), Patio(s), Porch(es)
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Other Structures:Above Grade, Below Grade
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Waterview:Yes
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Waterfront:Yes
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Waterfront Features:Private Dock Site, Rip-Rap
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Water Oriented:Yes
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Water Access:Yes
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Water Access Features:Boat - Powered, Fishing Allowed, Private Access, Canoe/Kayak
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Distance To Water:Blocks
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Water Body Name:Potomac
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Water Body Type:River
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Mean Low Water Feet:4
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Navigable Water:Yes
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Water Frontage In Feet:189
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Land Use Code:R
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Ground Rent Exists:No
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Riparian Rights:Yes
Listing Agent
- Contact info:
- Agent phone:
- (301) 848-8330
- Office phone:
- (443) 295-6123
Taxes
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Tax ID Number:1907007086
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Tax Year:2024
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Tax Lot:9
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Tax Annual Amount:$6,755
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Tax Assessed Value:$703,800
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Year Assessed:2024
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County Tax:6755.00
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Total Taxes Payment Frequency:Annually
Beds
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Bedrooms:5
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Bedrooms Main Level:3
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Upper Level Bedrooms:2
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Upper Level 1 Bedrooms:2
Baths
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Total Baths:4
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Full Baths:4
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Main Level Baths:3.00
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Main Level Full Baths:3
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Upper Level Full Baths:1
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Upper Level Total Baths:1
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Upper Level Total Baths:1.00
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Upper Level Full Baths:1
Heating & Cooling
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Cooling Type:Heat Pump(s), Central A/C
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Central Air:Yes
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Cooling Fuel:Electric
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Heating:Yes
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Heating Type:Heat Pump(s), Heat Pump - Gas BackUp
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Heating Fuel:Propane - Owned
Utilities
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Utilities:Propane, Cable TV
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Sewer/Septic:Private Septic Tank
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Hot Water:Propane
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Water Source:Well
Appliances
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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
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Laundry Type:Main Floor
Schools
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School District Name:St. Mary's County Public Schools
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School District Source:Listing Agent
The Community
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Subdivision Name:Waterloo Shores
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Senior Community:No
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Exterior Features:Boat Storage, Roof Deck
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Pool:No Pool
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Spa:No
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Docks:1
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Dock Type And Features:Pier (Perpendicular)
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Dock/Slip Conveyance:Yes
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Dock/Slip Conveyance:Exclusive Use
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Slips:4
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Association Recreation Fee:No
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HOA:No
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Condo/Coop Association:No
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Municipal Trash:No
Parking
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Total Garage and Parking Spaces:6
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Garage:Yes
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Garage Features:Additional Storage Area, Garage - Front Entry, Garage - Side Entry, Garage Door Opener, Oversized
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Garage Spaces:2.00
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Garage SqFt:660
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Type of Parking:Detached Garage, Driveway
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# of Detached Garage Spaces:2
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Driveway - # of Spaces:4
Extra Units
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Vacation Rental:No
Monthly cost estimate

Asking price
$1,275,000
Expense | Monthly cost |
---|---|
Mortgage
This calculator is intended for planning and education purposes only. It relies on assumptions and information provided by you regarding your goals, expectations and financial situation, and should not be used as your sole source of information. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. |
$6,827
|
Taxes | $562 |
Insurance | $350 |
Utilities | $253 See report |
Total | $7,992/mo.* |
*This is an estimate |
Walk Score®
Provided by WalkScore® Inc.
Walk Score is the most well-known measure of walkability for any address. It is based on the distance to a variety of nearby services and pedestrian friendliness. Walk Scores range from 0 (Car-Dependent) to 100 (Walker’s Paradise).
Bike Score®
Provided by WalkScore® Inc.
Bike Score evaluates a location's bikeability. It is calculated by measuring bike infrastructure, hills, destinations and road connectivity, and the number of bike commuters. Bike Scores range from 0 (Somewhat Bikeable) to 100 (Biker’s Paradise).
Air Pollution Index
Provided by ClearlyEnergy
The air pollution index is calculated by county or urban area using the past three years data. The index ranks the county or urban area on a scale of 0 (best) - 100 (worst) across the United Sates.
Sale history
Date | Event | Source | Price | % Change |
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3/12/25
Mar 12, 2025
|
Listed / Active | BRIGHT | $1,275,000 |