$550,000

Two Homes, Endless Possibilities, and a Chesapeake Bay Lifestyle! Discover a truly unique opportunity in Bay City! This one-of-a-kind property offers not just one, but two separate homes, a two-car garage, and an incredible entertainment space, creating the perfect setting for a family retreat, multigenerational living, hosting guests, or generating… Read More vacation rental income! The main residence welcomes you with a spacious living room featuring a cozy fireplace, along with a family room boasting a soaring vaulted ceiling, built-in bar, and atrium doors that open onto an expansive deck. The kitchen is centrally located and open to both the Living and Family rooms. With three generously sized bedrooms and two full baths, there's plenty of room for family and friends to relax and enjoy all the comforts of home. But that's just the beginning! Just next door, you'll discover a fully furnished guest house offering exceptional flexibility as an Airbnb, vacation rental, in-law suite, or private accommodations for overnight guests. This charming retreat features a spacious living room, a private bedroom, a well-appointed kitchen with a skylight above the island and seating for two, plus sliding glass doors leading to a partially private yard. A spacious full bath completes this inviting space. And there's still more to explore! The attached two-car garage has been transformed into an extraordinary entertainment destination! Connected to the guest house, this incredible recreation area is designed for fun and relaxation. Accommodations include two bunk beds sleeping up to six, a pool table, comfortable lounge areas, a game area, and a separate adult gathering space complete with a bar. You'll also find a half bath and laundry area, making this an ideal space for entertaining family and friends. Step outside to enjoy the patio and shared fire pit, perfect for gathering, unwinding, and making memories long after the sun goes down. And then there's Bay City! Enjoy the wonderful lifestyle of this water-privileged Chesapeake Bay community, offering residents access to a boat ramp, fishing pier, picnic pavilion, expansive playground, and picnic areas right along the beautiful, scenic Chesapeake Bay boast incredible sunsets overlooking Annapolis! Whether you're searching for a family getaway, a property with room for everyone, a multigenerational living arrangement, or an investment opportunity with vacation rental potential, this property delivers possibilities you won't find every day. Two homes. Endless entertainment. Chesapeake Bay living. Income-producing potential. Properties this unique rarely come along! Don't miss your opportunity to own this extraordinary Bay City retreat. Vacation rental financials are available for buyers interested in exploring the investment potential! Read Less

Courtesy of Darlene L Winegardner, RE/MAX Executive 443-274-1900

Listing Snapshot

Days Online

Last Updated

Nov 9, 2026

Property Type

Single Family Residential

Beds

Full Baths

Partial Baths

Square Ft.

2,052

Lot Size

0.44 Acres

Year Built

1981

MLS Number

MDQA2019190

Additional Details

Appliances & Equipment

Dishwasher, Dryer, Extra Refrigerator/Freezer, Icemaker, Microwave, Oven/Range - Electric, Refrigerator, Stainless Steel Appliances, Washer

Building

Built in 1981, Living area: 2052, Levels: 1, Construction Materials: Vinyl Siding

Cooling

Central A/C

Doors

Sliding Glass, Atrium

Accessibility Features

2+ Access Exits, Entry Slope <1', No Stairs

Exterior Features

Private Beach

Fireplaces

1 fireplace, Brick, Electric

Floors

Luxury Vinyl Plank

Foundation

Crawl Space

Garage

2 spaces

Heating

Heat Pump(s)

Home Owner's Association

Association Fee: $150, Fee Frequency: Annually, Fee Includes: Common Area Maintenance, Pier/Dock Maintenance, Recreation Facility, Amenities: Beach, Boat Ramp, Jog/Walk Path, Picnic Area, Pier/Dock, Tot Lots/Playground, Water/Lake Privileges

Interior Features

2nd Kitchen, Bathroom - Stall Shower, Bathroom - Tub Shower, Ceiling Fan(s), Family Room Off Kitchen, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Eat-In, Kitchen - Table Space, Primary Bath(s)

Lot

0.44 acres

Parking

Asphalt Driveway

Property

Good, Other structures: Above Grade, Below Grade

Roof

Asphalt

Sewer

Public Sewer

Taxes

Annual Amount: $2,998, Lot: 1, Year: 2026, Zoning: NC-20

Utilities

Water Source: Public

Water Features

Water Body Name: Chesapeake Bay

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