Maryland Waterfront Real Estate Property Buyer’s Guide

Real Estate Information

The natural beauty of Maryland provides picturesque waterfront communities that are beautiful to behold. There are many subdivisions and neighborhoods offering waterfront properties that fully maximize the lovely surroundings of the region. If you are looking to buy a home in the area, we've provided a list of essential things to consider.

Check out our original blog post at https://waterfrontmarylandhomes.com/.

Area Regulations in Maryland

The Chesapeake Bay Critical Area Protection Program is a set of regulations made to protect the natural habitat of the Chesapeake Bay. The program is managed by a critical area commission that aims to protect lands by restricting and controlling the development of the community within 1,000 feet inward of tidally influenced areas of the Bay. Waterfront Homes are sometimes within this boundary, which means many of the plants and trees within your property may not be taken down without approval of the commission. You need to review if the home you want to buy is within this protected area and adequately understand the rights and limitations if you become the owner of the land.

Riparian vs. Non-Riparian Rights

Riparian rights means that the deed of property extends into the water's edge. This means that you have the right to extend use in the water such as building a small pier, subject to the approval of the local government. You'll want to consider this if you plan to buy or own a boat and want it docked next to your home.

Check out our original blog post at https://waterfrontmarylandhomes.com/.

Homeowners' Association

If you plan to move into a particular neighborhood, you need to make sure to do your research on the homeowners association managing the community. There are many horror stories out there about poorly managed communities, and you'll want to avoid moving into areas that have incompetent associations.

Flood Insurance

If you plan to buy a waterfront property or any home in general within Maryland, you'll need to understand the value of Flood Insurance. There is a common misconception that the homeowner's insurance is enough to cover expenses in the event of a flood. You'll need to discuss with your realtor about your options should a flood does occur.

Before you buy a home in Maryland, you need to review the flood certificate of the property properly. You'll be able to correctly identify which hazard insurances you need for your new home. The Maryland Flood Insurance ranks as the state 4th in terms of the amount of flood insurance policies in the country due in part to risks in the region.

Check out our original blog post at https://waterfrontmarylandhomes.com/.