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Waterfront Guide
Welcome to a world where boaters and water lovers thrive, and every ride is an opportunity for adventure, connection, and personal growth.
In this guide, we’ll explore Maryland’s stunning coastlines, serene waterways, and vibrant waterfront heritage create an ideal setting for those seeking a lifestyle intertwined with the water.
CONTENTS
01. KEY TERMINOLOGY
02. considerations of waterfront living
03. waterfront hubs
04. waterfront specialists
05. waterfront REAL ESTATE
06. COMMUNITY AND LIFESTYLE
Maryland’s stunning coastlines, serene waterways, and vibrant waterfront heritage create an ideal setting for those seeking a lifestyle intertwined with the water. From the quiet beauty of secluded inlets to the lively scene at bustling marinas, the waterfront experience here offers more than just a view; it’s a thriving community where the love for the water brings people together.
Whether you’re a seasoned sailor, an avid angler, or simply drawn to the peaceful allure of the water, Maryland offers a wide array of waterfront attractions, events, and recreational opportunities. Here, the appreciation for waterfront living is celebrated through activities like leisurely boat rides, exciting regattas, and community gatherings. The region’s marinas, beaches, and yacht clubs welcome enthusiasts of all levels, ensuring that everyone—from boating beginners to experienced seafarers—can enjoy the rich and rewarding lifestyle of Maryland’s waterfront.
Key Terminology
This section provides insight into essential terminology and things to consider when buying or living on waterfront property. Understanding these concepts can help you make informed decisions and maximize the enjoyment of your waterfront lifestyle.
Riparian Rights: Refer to the rights of landowners whose property borders a body of water. In Maryland, these rights give property owners the ability to use and access the water adjacent to their land for activities like boating, fishing, or swimming. If you own waterfront property, understanding your riparian rights can impact where you can build docks, install bulkheads, or access the water.
Flood Zones: The Federal Emergency Management Agency (FEMA) designates flood zones based on the likelihood of flooding. Zones are classified as high-risk, moderate-risk, or low-risk. If your property is in a high-risk flood zone, you may be required to purchase flood insurance, and building regulations may apply to mitigate flood risks.
Elevation Certificate: A document that provides the elevation of a building in relation to the base flood elevation (BFE) in a flood-prone area. This helps determine the flood risk and insurance premiums. If your waterfront property is located in a flood zone, an Elevation Certificate can be crucial for determining your flood insurance costs and whether any modifications need to be made to protect your home.
Storm Surge: A rise in sea level caused by high winds and atmospheric pressure during storms. It can lead to temporary flooding of low-lying areas. Properties in areas vulnerable to storm surges may require specific measures like elevated foundations, bulkheads, or flood barriers to protect against damage.
Navigable Waters: Navigable waters are bodies of water that are deep and wide enough for boats and ships to pass through. If your waterfront property borders navigable waters, you may have more flexibility for boating activities. Properties on navigable waters can increase the value of your home, especially if you are a boating enthusiast.
Bulkhead: A retaining wall or barrier built along the shoreline to protect against erosion and rising tides. It helps prevent soil erosion and preserves the waterfront edge. If your property is along a body of water susceptible to erosion, you may need to consider installing or maintaining a bulkhead to protect your land.
Dredging: Dredging is the process of removing sediment or debris from the bottom of water bodies to deepen the waterway. This is often done to maintain navigability or prepare for dock installation. If the water depth near your property is too shallow for boats, dredging may be required, but it can involve permits and environmental considerations.
Mean High Water Line: A retaining wall or barrier built along the shoreline to protect against erosion and rising tides. It helps prevent soil erosion and preserves the waterfront edge. If your property is along a body of water susceptible to erosion, you may need to consider installing or maintaining a bulkhead to protect your land.
Dockage: Refers to the space or structure where a boat can be moored or docked. It includes private docks, marina slips, and moorings.Owning or accessing dockage is a key advantage for waterfront living, allowing you to keep your boat close to home.
Setbacks: Setback refers to the required distance between a structure and the water’s edge or property boundary. This is often regulated by local zoning laws to protect the shoreline and manage environmental impact. Setback regulations may impact where you can build new structures, such as a deck, pier, or boathouse.
Things To Consider When Living On The Water
Flood Insurance: Living on the water often means living in a flood zone, which can affect your insurance requirements. Even if your property is not in a high-risk flood zone, it's wise to assess whether flood insurance is needed.
Tip: Check with your insurance provider and determine whether an Elevation Certificate is required. Keep in mind that flood insurance premiums can vary based on your property's proximity to the water and its flood zone designation.
Property Maintenance: Waterfront properties require regular maintenance due to exposure to the elements. Wind, saltwater, and moisture can accelerate wear and tear on buildings, decks, docks, and landscaping.
Tip: Invest in high-quality, weather-resistant materials for outdoor structures. Consider creating a maintenance schedule for checking bulkheads, docks, and other waterfront features
Erosion Control: Erosion can be a significant issue for waterfront properties, especially along tidal areas. Bulkheads, retaining walls, and riprap (rock barriers) are commonly used to protect against erosion.
Tip: Work with local contractors to assess the condition of your waterfront edge and determine if erosion control measures are needed. Permits may be required for installing erosion protection systems.
Boating Access: If you’re an avid boater, assess your property’s boating access. Can you build a dock, or is dockage available at a nearby marina? Are the waters deep enough for your boat?
Tip: Before purchasing, verify if there are riparian rights that allow you to build a dock. If not, investigate marina options or public boat ramps nearby.
Water Depth: If you're planning on keeping a boat at your property, you need to consider water depth and tides. Some properties may require dredging to allow for deeper draft boats.
Tip: Verify the depth of the water near your property and ensure that it will accommodate your boat, especially during low tide.
Environmental Considerations: Living on the water means being a steward of the local ecosystem. Tidal waters and wetlands are sensitive areas that may have restrictions on building and landscaping.
Tip: Be aware of local environmental regulations, especially if your property includes wetlands or protected shoreline. Many areas in Maryland have critical area laws that regulate development near the water.
Privacy and Public Access: Not all waterfront properties offer the same level of privacy. In some areas, public access points or marinas can increase foot traffic near your home.
Tip: Understand how mean high water lines and public access may affect your privacy. If privacy is important, look for properties that offer more secluded waterfront access.
Zoning and Permits: Building or expanding on waterfront property often requires specific permits, particularly for structures like docks, seawalls, or boathouses. Zoning laws may also restrict what can be build close to the water.
Tip: Consult with local authorities to determine setback requirements, zoning laws, and any necessary permits for waterfront construction.
Waterfront Hubs
Maryland’s waterfront scene offers an exceptional blend of recreation, luxury, and local charm.
Whether you're a seasoned sailor, a sun-seeker, or a dining enthusiast, our waterfront hubs have something for everyone. Dive into the vibrant communities, marinas, and beaches that make our waterfronts truly unique, and discover the best places for yachting, dining, and entertainment along the coast.
We've compiled some of the larger private yacht clubs in the area, known for their robust membership, amenities, and social activities.
Key Features:
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Exclusive Memberships: Join Maryland’s top yacht clubs offering access to private marinas, events, and watersports.
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Sailing Programs: Clubs offer training, regattas, and social sailing events for members of all ages.
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Amenities: Enjoy clubhouse dining, pool access, and social events exclusive to members.
Waterfront Specialists
Enhancing a waterfront property often requires expertise tailored to the unique demands of coastal living.
Here’s a curated list of specialists—from architects to builders—who bring knowledge and experience in creating homes that blend seamlessly with Maryland’s coastal landscapes.
Waterfront Real Estate
Maryland’s waterfront real estate combines natural beauty, luxury, and prime access to the water, making it an exceptional choice for those seeking a life along the shore.
Whether you’re envisioning a private bayfront estate with a dock, a cozy riverfront retreat, or a property near bustling marinas and yacht clubs, Maryland’s waterfront homes offer a lifestyle rich in relaxation and recreation. Explore our guide to find the ideal blend of coastal living and convenience, with properties perfectly suited to your waterfront dreams.
Embrace the
Lifestyle
Maryland’s waterfront community embodies a unique blend of maritime tradition, coastal lifestyle, and community spirit.
Whether you’re a seasoned boater, a family of beachgoers, or someone seeking the peaceful allure of the water, Maryland’s waterfront scene has something for everyone. The waterfront lifestyle here is not just about being near the water; it’s about fostering connections, honoring heritage, and embracing a way of life that values outdoor adventure, community, and a deep appreciation for the natural world.
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