What to Know Before Buying a Waterfront Home in Anne Arundel County
Buying a waterfront home in Anne Arundel County is a dream for many—and with good reason. From early morning paddleboarding sessions to golden-hour views over the Severn or South River, life on the water is nothing short of magical. But waterfront real estate comes with its own set of considerations. Before you fall in love with the view, here are the top things to keep in mind when purchasing a waterfront property in Anne Arundel.
1. Understand the Type of Water Access
Not all waterfronts are created equal. Some homes offer deep-water access, perfect for sailboats and larger vessels. Others may have shallow or tidal waters more suited to kayaks and paddleboards. Ask:
Is it deep-water or shallow-water access?
Is there a private pier, bulkhead, or community access?
Are there restrictions on dock size or boat types?
2. Check Flood Zones and Insurance Requirements
Waterfront homes often fall within FEMA-designated flood zones, which can impact insurance premiums and loan approvals. Make sure to:
Review the property’s flood zone designation
Get a flood elevation certificate (if available)
Factor in flood insurance when budgeting
3. Understand Critical Area Regulations
Anne Arundel County has strict Critical Area laws to protect the Chesapeake Bay. These impact what you can build, renovate, or remove on a waterfront lot. Before making changes:
Check setbacks from the water
Learn if the property is in the 100-foot buffer
Confirm whether renovations need environmental or county approval
4. Evaluate the Condition of the Shoreline and Pier
Bulkheads, riprap, and piers can be costly to repair or replace. Have them professionally inspected to avoid surprises down the line:
Look for signs of erosion or structural damage
Ask when the pier or seawall was last maintained
Confirm that all structures are permitted
5. Watch for Septic vs. Sewer
Some waterfront homes aren’t connected to public sewer and instead use septic systems, which are regulated more tightly near waterways.
Ask if the home is on public sewer or septic
If septic, check the location and age of the system
Consider the potential cost of upgrades or replacement
6. Pay Attention to Water Views and Orientation
The view is part of what you're buying—make sure it delivers. Some buyers prioritize sunset views, others prefer privacy and cove settings. Things to look for:
Is the water view protected from future development?
Does the home face east, west, or south? (This affects sun exposure)
Are neighboring homes close, or is the setting more secluded?
7. Research Community and Lifestyle Factors
Many waterfront homes are part of established water-privileged communities in Anne Arundel like Bay Ridge, Cape St. Claire, or Hillsmere.
Are there HOA fees or community amenities?
Do you want a marina, beach, or boat ramp nearby?
How active or social is the neighborhood?
8. Consider Resale Value and Seasonality
Waterfront homes often come with a premium price. To protect your investment:
Look at recent comps for waterfront sales in the area
Ask about rental potential and seasonal trends
Consider long-term appreciation based on location and features
Final Thoughts:
A waterfront home offers a lifestyle that few properties can match—but it pays to be informed before making your move. Whether you're dreaming of crab feasts on the dock, sailing out of your own backyard, or simply sipping coffee with a view, I’d love to help you find the perfect waterfront fit.
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