Buying a Waterfront Home in Calvert County, Maryland

Dawn Riley and the Riley Team of ReMax One in Calvert County, Maryland.

Buying a waterfront home is more complex than most people realize. It’s not just about the view or the pier. It’s about understanding tides, erosion, water depths, FEMA zones, and local regulations that can make or break your investment. Whether you’re looking on the Patuxent River, the Chesapeake Bay, or one of our hidden coves in Southern Maryland, you need an agent who truly knows the water.

I’ve lived on the water for more than forty years and sold over one hundred waterfront homes across Calvert, St. Mary’s, and Anne Arundel Counties. I’ve walked these shorelines, navigated these channels, and helped clients evaluate everything from pier permits to shoreline buffers. That experience means my buyers make informed decisions—and avoid costly surprises later.

Waterfront homes have their own set of inspections, insurance requirements, and county restrictions. Some properties have riparian rights, others share community access. Some allow boat lifts or dredging, while others don’t. Understanding those differences before you write an offer saves time, stress, and money.

My goal is to make you a confident waterfront buyer. I’ll guide you through inspections, FEMA maps, county guidelines, and market trends so you can purchase your home with full clarity. When you work with a Realtor who understands the water, you don’t just buy a property—you buy peace of mind.