12944 Shoal Drive

Ocean City, MD
$ 1,399,000 Beds 5 Baths 4.5 Sq 2,994
Monthly Estimate* How much can I afford?

Rare Captain's Hill opportunity a custom 5-bedroom, 4.5-bath waterfront home on a 0.47-acre corner lot with a private boat slip, lift, and inground pool. Homes in this neighborhood trade hands once in a generation. Set on nearly half an acre at the corner of Shoal Drive and Golf Course Road, this 2,994-square-foot custom home was built in 1997 and has been meticulously maintained. Deeded waterfront rights include exclusive use of the pier on the northerly half of the shared bulkhead, with a boat lift already installed and ready for the season. The canal opens directly to the back bays and the Atlantic beyond. Inside, hardwood floors run throughout. The upper level of the main house holds a spacious primary suite plus two additional bedrooms, sharing a full bath. The main floor offers a gourmet kitchen with upgraded countertops, stainless appliances, and a gas range. A gas fireplace anchors the living room, and there's also a bedroom and hall bath for overflow guests. A screened three-season gazebo captures cross-breezes and canal views. A private staircase off the kitchen leads to what may be the home's most flexible space: a large bonus suite above the garage with its own full bath and mini-fridge. Big enough to function as three zones at once - a home office, a workout area, and a full lounge with room for a sectional and oversized TV. It lives like a private apartment, ideal for a work-from-home setup, in-law arrangement, teen retreat, or long-stay guest quarters. Outside, the inground pool is framed by a paver patio and a covered gazebo with grill/skillet, table, and a bar area. The backyard is fully fenced, and professionally landscaped with mature plantings. An oversized two-car garage with tall ceilings and extended depth accommodates full-size trucks, trailers, and workshop use. Captain's Hill is one of Ocean City's most established communities and carries no HOA fees. It's a genuine rarity for a waterfront enclave this close to town. Furnishings and recreational equipment available separately. Schedule a private tour today. This one will not sit.

ACTIVE

  • Price
  • $ 1,399,000
  • City
  • Ocean City
  • Bedrooms
  • 5
  • Full Bathrooms
  • 4
  • County
  • WORCESTER
  • Half Bathrooms
  • 1
  • Area
  • West Ocean City
  • Lot Size
  • 0.47 Acres
  • Zip
  • 21842
  • Sqr Footage
  • 2,994
  • Year Built
  • 1997
  • Taxes
  • $ 5807
  • Style
  • Traditional
  • MLS#
  • MDWO2038932
Listed By: David Haley with Coldwell Banker/Bud Church Rea - 4105247888;
Data Source: Bright MLS

Features

General

Living Area 2994
Sewer Public Sewer
Heating Heat Pump(s)
Cooling Heat Pump(s)
Possession Negotiable
Roof Architectural Shingle
Appliances Built-In Microwave,Dishwasher,Dryer,Exhaust Fan,Oven/Range - Gas,Range Hood,Refrigerator,Stainless Steel Appliances,Washer,Water Heater
Zoning R-2
Garage Spaces 2.00
Architectural Style Traditional
Pool Features In Ground
Construction Materials Block,Combination,Vinyl Siding
School District WORCESTER COUNTY PUBLIC SCHOOLS
Year Built 1997
Levels 2
Tax Year 2025
Ownership Fee Simple
Cool Fuel Electric
Building Name NONE AVAILABLE
Accessibility Level Entry - Main
County WORCESTER
New Construction No
Property Type Residential
HOA No
Subdivision Name CAPTAINS HILL
Garage Y/N Yes
Water Access Y/N No
Other Structures Above Grade,Below Grade
Full Baths 4
Status ACTIVE
Directions Turn on to Golf Course Rd. heading north. Take slight right into Captains Hill. Make a left on to Shoal Dr. Home is located on the left.
City OCEAN CITY
Disclosures Prop Disclaimer,Prop Disclosure
Senior Community Y/N No
MLS Area West Ocean City (85)
Lot Size Units Square Feet
Lot Size Square Feet 20680.00
Tax Assessed Value 639167.0
Tax Annual Amount 5807.0
Home Warranty Y/N No
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 1
Bathrooms Count Main Level 2.00
Price Per Sq Ft Total AG 467.27
Acceptable Financing Conventional
Vacation Rental Y/N No
Total SQFT 2994
Standard Status Active
Year Built Source Assessor
Legal Subdivision EARL W BRITTINGHAM LANDS
Tax Lot 1
Total Actual Rent 0.00

Interior Features

Interior Amenities Entry Level Bedroom,Kitchen - Gourmet,Upgraded Countertops,Water Treat System,Wood Floors
Heating Fuel Electric
Total Fireplaces 1
Hot Water Electric
Basement (Y/N) No
Heating Y/N Yes
Fireplace Y/N Yes
Above Grade Finished Area 2994
Half Baths 1
Central Air Y/N No
Total Bedrooms 5
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Estimated
Below Grade Unfin Area Units Square Feet
Below Grade Unfin SQFT Source Assessor
Below Grade Finished Area Source Assessor
Bedrooms Count All Upper Levels 4
Bedrooms Count Upper Level 1 4
Bathrooms Half Main Level 1
Bathrooms Full Upper Level 1 3
Bathrooms Full All Upper Levels 3
Bathrooms Count Upper Level 1 3.00
Bathrooms Count All Upper Levels 3
Above Grade Finished Area Source Estimated
Above Grade Finished Area Unit Type Square Feet
Total Baths 5

Exterior Features

Pool Yes - Personal
Water Source Private
Total Parking Spaces 2
Garage Features Garage - Front Entry
Type of Parking Attached Garage
Land Use Code R
Foundation Details Block
Water View Y/N No
Lot Dimensions 0.00 x 0.00
Lot Size Acres 0.47
Lot Size Source Assessor
Waterfront Y/N No
Horse Y/N No
Land Assessed Value 0.00
Navigable Water Y/N No
Water Oriented Y/N No
# of Attached Garage Spaces 2
LotDimensionsSource Assessor

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Selbyville, DE office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Ocean City Elementary School
Middle School Stephen Decatur Middle School
High School Stephen Decatur High School

Price History

6/6/2026 Listed $1,450,000
8/21/2026 4% - $1,399,000

Property vs Zip Code Average in 21842

Price
AVG $1.52M
$1.4M
Taxes
AVG $7,014
$5,807
Year Built
AVG 1985
1997
Visits
AVG 562
279
Data Provided by Inside Real Estate®

12944 Shoal Drive Ocean City, MD is a Single Family Home for sale at $1399000 with 2994 sqft and a lot size of 0.47 Acres Acre(s). 12944 Shoal Drive Ocean City has 5 bedrooms, 4 baths and was built in 1997. The property's zip code is 21842 which is in Ocean City, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.