20495 Waterloo Ln

Coltons Point, MD 20626

$1,215,000
Last Sold Price
5
Beds
3,719 Sq. Ft.
$327 / Sq. Ft.
3,719
Sq. Ft.
$327
per Sq. Ft.
Get preapproved with Rocket Mortgage1
Closed 5/12/25
Closed 5/12/25
a picture of water view
a front view of a house with garden
a living room with furniture kitchen view and a table
a living room with furniture kitchen view and a chandelier
a dining room with furniture a rug and wooden floor
a front view of a house with a yard
2 story garage with bonus space above
a kitchen with stainless steel appliances kitchen island granite countertop a refrigerator and microwave
a kitchen with stainless steel appliances kitchen island granite countertop a refrigerator and microwave
a large kitchen with cabinets
a large white kitchen with cabinets and stainless steel appliances
a large kitchen with granite countertop a stove a sink and a granite counter top
a kitchen with granite countertop a sink and counter space
a living room with stainless steel appliances kitchen island granite countertop a table and chairs in it
a bedroom with a bed furniture and ceiling fan
a bedroom with a bed and glass walk in closet
a bathroom with a granite countertop sink and a large window
a spacious bathroom with a double vanity sink a mirror and a shower
a bedroom with a bed and a cabinets
a bathroom with a shower and a toilet
a bedroom with a bed and a window
a bathroom with a double vanity sink a mirror and a shower
a utility room with dryer and washer
a view of bathroom with tub and window
a view of hallway with wooden floor
a room with furniture and stairs
a bedroom with a bed and glass window
a view of an ocean with city
a living room with furniture ceiling fan and a window
a living room with furniture and a flat screen tv
a sunset view with ocean view
View from upper deck on boat house
a view of a house with a yard and large tree
a front view of a house with a yard
Picturesque sunset
a front view of a house with a yard covered with trees
a roof deck with table and chairs under an umbrella
a view of wooden floor with a lake
a view of outdoor space with wooden deck
a front view of a house with a yard
a view of a swimming pool with a yard
a view of backyard with table and chairs and a large tree
a front view of a house with a yard
a view of small space
a view of a room with gym equipment
a room with lots of furniture and a view of living room

Description

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,...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!
  1. Listed by Catherine C Meyers • RE/MAX One
    P: (301)-848-8330 candymeyers1@aol.com

Property Details for 20495 Waterloo Lane

Tax ID Number
1907007086
Ownership
Fee Simple
Condo Coop Association
No
HOA
No
Structure Type
Detached
Style
Contemporary
Levels/Stories
1.5
Furnished
No
LISTING CLOSED: 05/12/2025 12:00 AM

Property Details for 20495 Waterloo Lane

StatusClosed
MLS #MDSM2022466
Days on Market38
Taxes$6,755 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Fee Simple
Year Built1974
Lot Size0.44 AC / 19,252 SF
CountySt. Mary's County
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Location

Listing Courtesy of RE/MAX One

Sold By EXP Realty, LLC

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Building Information for 20495 Waterloo Lane

Stories-Year Built1974Building Size-Lot Size0.44 AC / 19,252 SF

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$6,617 per month

30 year fixed, 6.36% Interest

Principal and Interest

$6,054

Property Taxes

$563

HOA Dues

$0

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Property Information for 20495 Waterloo Lane

Location
Location
  • In City Limits: No
  • School District Name: ST. MARY'S COUNTY PUBLIC SCHOOLS
  • School District County ID: 121138839208
  • SchoolDistrictSource: Listing Agent
  • County: SAINT MARYS
Waterfront / Water Access
Waterfront / Water Access
  • Water View: Yes
  • Water Access: Yes
  • Water Access Features: Boat - Powered, Fishing Allowed, Private Access, Canoe/Kayak
  • Water Oriented: Yes
  • Navigable Water: Yes
  • Water Body Name: Potomac
  • Water Body Type: River
  • Water Frontage In Feet: 189.0
  • Riparian Rights Y/N: Yes
  • Docks Count: 1
  • Dock Type and Features: Pier (Perpendicular)
  • Dock/Slip Conveys Y/N: true
  • Dock/Slip Conveyance: Exclusive Use
  • Slips Count: 4
  • Mean Low Water Feet: 4.00
  • Distance To Body Of Water: .00
  • Distance To Body Of Water Units: Blocks
Association / Community Info
Association / Community Info
  • Property Manager Y/N: No
  • Senior Community: No
  • Association Recreation Fee Y/N: No
Taxes and Assessment
Taxes and Assessment
  • Tax Year: 2024
  • Tax Assessed Value: $703,800
  • Year Assessed: 2024
  • County Tax: $6,755
  • Improvement Assessed Value: $453,000
  • Land Assessed Value: $250,800
  • Clean Green Assessed: No
  • Municipal Trash: No
  • Land Use Code: R
  • Agricultural Tax Due: No
  • Historic: No
  • Zoning: RPD
  • Tax Lot: 9
  • School Tax: $0
  • Tax Page Number: 72
  • Automatically Update Tax Values Y/N: Yes
Rooms
Main
  • # Bedrooms Count Main Level: 3
  • # Bathrooms Count Main Level: 3
  • # Bathrooms Full Main Level: 3
  • # Bathrooms Half Main Level: 0
All Upper Levels
  • # Bedrooms Count All Upper Levels: 2
  • # Bathrooms Count All Upper Levels: 1
  • # Bathrooms Full All Upper Levels: 1
  • # Bathrooms Half All Upper Levels: 0
Upper Level 1
  • # Bedrooms Count Upper Level: 2
  • # Bathrooms Count Upper Level: 1
  • # Bathrooms Full Upper Level: 1
  • # Bathrooms Half Upper Level: 0
Rooms
  • Stories: Main, Upper 1
Building Info
Building Info
  • Year Major Reno Remodel: 2005
  • Building Level Count: 2
  • Total Finished SQFT: 3,719.00
  • Total Finished SQFT Source: Estimated
  • Tax Total Finished SQFT: 4,225.00
  • Total SQFT: 3,719.00
  • Total SQFT Source: Estimated
  • Construction Materials: HardiPlank Type, Stone
  • Roof: Architectural Shingle
  • Ext Main Mid-res: http://bright-media01.prd.brightmls.com/bright/images/0000/8036/6631/6800/803666316800_512_384_WM_tBAc8vDAshSLGiKp.jpg
  • Wall and Ceiling Types: High, Cathedral Ceilings, 2 Story Ceilings
  • Flooring Type: Carpet, Hardwood, Heated, Ceramic Tile
  • Foundation Details: Crawl Space
  • Room and Floor: Bedrooms-Main Level-1, Bedrooms-Main Level-2, Bedrooms-Main Level-3, Bathrooms Full-Main Level-1, Bathrooms Full-Main Level-2, Bathrooms Full-Main Level-3, Bedrooms-Upper Level 1-1, Bedrooms-Upper Level 1-2, Bathrooms Full-Upper Level 1-1
  • # Bathrooms Full: 4
  • # Bathrooms Half: 0
  • Other Structure: Boat House, Garage(s)
Lot / Land Information
Lot / Land Information
  • Lot Size Source: Assessor
  • Lot Features: Level, Rip-Rapped
  • Road Responsibility: Road Maintenance Agreement
  • Location Type: River
  • Parcel ID: 15003714
  • Additional Parcels: No
  • Ground Rent Exists: No
Parking
Parking
  • Type Of Parking: Detached Garage, Driveway
  • Num of Detached Garage Spaces: 2
  • Driveway - # of Spaces: 4
  • Total Garage Spaces: 2
  • Garage Features: Additional Storage Area, Garage - Front Entry, Garage - Side Entry, Garage Door Opener, Oversized
Interior Features
Interior Features
  • 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
  • Fireplace: Yes
  • Fireplaces Count: 1
  • Fireplace Features: Stone, Gas/Propane
  • 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
  • Accessibility Features: None
  • Window Features: Palladian, Screens, Insulated
  • Laundry Type: Main Floor
Exterior Features
Exterior Features
  • Spa: No
  • Exterior Features: Boat Storage, Roof Deck
  • Outdoor Living Structures: Balcony, Deck(s), Patio(s), Porch(es)
  • Pool: No Pool
Utilities
Utilities
  • Utilities: Propane, Cable TV
  • Heating: Yes
  • Cooling Type: Heat Pump(s), Central A/C
  • Cooling Fuel: Electric
  • Heating Type: Heat Pump(s), Heat Pump - Gas BackUp
  • Heating Fuel: Propane - Owned
  • Hot Water: Propane
  • Water Source: Well
  • Sewer Septic: Private Septic Tank
Confidential Data
Listing Office
  • List Agent AOR: Southern Maryland Association of REALTORS
  • List Agent URL: www.candymeyers.com

Property History for 20495 Waterloo Lane

DateEvent & SourcePriceAppreciation
May 12, 2025

Closed (Public Record)

Public Record #1558333987

$1,215,000

+5.5% / yr

May 12, 2025

Closed

BRIGHT #MDSM2022466

$1,215,000—
Apr 18, 2025

Pending

BRIGHT #MDSM2022466

—
DateEvent & SourcePrice
05/12/2025

Closed (Public Record)

Public Record #1558333987

$1,215,000

+5.5% / yr

05/12/2025

Closed

BRIGHT #MDSM2022466

$1,215,000
04/18/2025

Pending

BRIGHT #MDSM2022466

—

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 20495 Waterloo Lane

Taxable ValueLand-Additions-Total-
Tax Record2023$7,292 ($608 / month)
Home Facts
Beds0Baths2Total Finished SqFt4,225 SqFtAbove Grade Finished SqFt4,225 SqFtStories2Lot Size19,252 SqFtStyleSingle Family ResidenceYear Built1974ZoningRPDCountyST. MARY'SAPN07-007086Fireplace TypeHas Fireplace

Schools near 20495 Waterloo Lane

This home is within St. Mary's County Public Schools.
Rating
School
Type
Grades
Distance
Dynard Elementary School
Public - PK to 5
Margaret Brent Middle School
Public - 6 to 8
Chopticon High School
Public - 9 to 12
Dr. James A. Forrest Career And Technology Center
Public - 9 to 12
Rating
School
Distance
Dynard Elementary School
PublicPK to 5

Margaret Brent Middle School
Public6 to 8

Chopticon High School
Public9 to 12

Dr. James A. Forrest Career And Technology Center
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of RE/MAX One

© 2026 Bright MLS. All rights reserved. All information is deemed reliable, but accuracy is not guaranteed. Listing information is from various brokers who participate in IDX and not all listings may be visible on the site. The property information being provided is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on 06/02/2025 04:41 PM