# 4005 LLOYD BOWEN, Saint Leonard, MD 20685 > **TL;DR:** 4bd/4ba single family, $1,099,000 ($390/sqft), built 2009, 2,818 sqft. > Fireplace, Waterfront, A/C. Est. $5,878/mo. Listed 173 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,099,000 | | Price/sqft | $390 | | Bedrooms | 4 | | Bathrooms | 2 full, 2 half | | Square Feet | 2,818 | | Year Built | 2009 | | Lot Size | 19,950 sqft (0.46 acres) | | Stories | 2 | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 173 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $5,557 | | Estimated Insurance | $321 | | **Total** | **$5,878** | ## Key Amenities - Fireplace - Waterfront - A/C ## Property Highlights - Built in 2009 - 0.46 acre lot - 2 stories - 4 parking spaces - Fireplace - Waterfront ## Description ### Agent Description Welcome to an extraordinary Southern Living-inspired waterfront bungalow offering a rare blend of tranquility, luxury, and charm in pristine condition. Tucked away on a quiet, secluded road with only three homes, this exceptional property is surrounded by water and bordered by 25 acres of protected, unbuildable land, ensuring lasting privacy and breathtaking natural beauty. Ideally located less than an hour from Annapolis, Baltimore, Washington, D.C., and Northern Virginia-including Alexandria and Arlington-this home provides the perfect balance of peaceful waterfront living with easy access to major metropolitan conveniences. The 4-bedroom residence features 2 full baths and 2 half baths, with an open, airy design that captures stunning water views from virtually every window. The main level includes two bedrooms and showcases soaring cathedral ceilings, solid wood doors, and exceptional craftsmanship, while thoughtfully preserved elements from the original cottage add warmth, character, and a sense of nostalgia. The spacious kitchen is both elegant and functional, offering Silestone countertops, stainless steel appliances, white cabinetry, abundant counter space, a breakfast nook, and radiant heated flooring, with propane gas fueling both cooking and the home's heating system. The inviting family room centers around a striking fireplace and flows effortlessly onto a generous wraparound waterfront porch-perfect for relaxing or entertaining while taking in serene views. Built with quality and durability in mind, the home features a metal roof, Hardiplank exterior, and a warm, welcoming ambiance throughout. This is a true waterfront lifestyle property, where fishing, kayaking, boating, and crabbing are part of everyday life, and where comfort, craftsmanship, and natural beauty come together in perfect harmony. ## Location - **Address:** 4005 LLOYD BOWEN, Saint Leonard, MD 20685 - **County:** CALVERT - **Neighborhood:** NONE AVAILABLE - **Coordinates:** 38.41143388, -76.54194902 - **Google Maps:** https://www.google.com/maps?q=38.41143388,-76.54194902 ## Virtual Tour & Media - **Video Tour:** https://my.matterport.com/show/?m=btiTQBdT3wE ## Listing Agent - **Name:** Jeannine M Wayson · **License:** 611432 - **Brokerage:** Coldwell Banker Residential Brokerage - **Broker Phone:** (410) 224-2200 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4005-Lloyd-Bowen-Rd_Saint-Leonard_MD_20685_M51637-72971?f=listhub&s=TRENDPA&m=MDCA2026454&c=propsimple) ## Photos ![4005 LLOYD BOWEN - Photo 1](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2905948328r.jpg) ![4005 LLOYD BOWEN - Photo 2](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2154442009r.jpg) ![4005 LLOYD BOWEN - Photo 3](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2933610083r.jpg) ![4005 LLOYD BOWEN - Photo 4](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f305703953r.jpg) ![4005 LLOYD BOWEN - Photo 5](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1049497680r.jpg) ![4005 LLOYD BOWEN - Photo 6](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2263012353r.jpg) ![4005 LLOYD BOWEN - Photo 7](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1760614367r.jpg) ![4005 LLOYD BOWEN - Photo 8](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f124994451r.jpg) ![4005 LLOYD BOWEN - Photo 9](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2244605368r.jpg) ![4005 LLOYD BOWEN - Photo 10](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1837021497r.jpg) ![4005 LLOYD BOWEN - Photo 11](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f4056791117r.jpg) ![4005 LLOYD BOWEN - Photo 12](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1539553787r.jpg) ![4005 LLOYD BOWEN - Photo 13](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f4192399219r.jpg) ![4005 LLOYD BOWEN - Photo 14](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f350439380r.jpg) ![4005 LLOYD BOWEN - Photo 15](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3280246544r.jpg) ![4005 LLOYD BOWEN - Photo 16](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3263349142r.jpg) ![4005 LLOYD BOWEN - Photo 17](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3405074980r.jpg) ![4005 LLOYD BOWEN - Photo 18](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1060024871r.jpg) ![4005 LLOYD BOWEN - Photo 19](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f414115567r.jpg) ![4005 LLOYD BOWEN - Photo 20](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f4049625074r.jpg) ![4005 LLOYD BOWEN - Photo 21](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2490622194r.jpg) ![4005 LLOYD BOWEN - Photo 22](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f70221371r.jpg) ![4005 LLOYD BOWEN - Photo 23](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2851506157r.jpg) ![4005 LLOYD BOWEN - Photo 24](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f513681470r.jpg) ![4005 LLOYD BOWEN - Photo 25](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3368197644r.jpg) ![4005 LLOYD BOWEN - Photo 26](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1676785989r.jpg) ![4005 LLOYD BOWEN - Photo 27](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3265123133r.jpg) ![4005 LLOYD BOWEN - Photo 28](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2283708821r.jpg) ![4005 LLOYD BOWEN - Photo 29](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2067402415r.jpg) ![4005 LLOYD BOWEN - Photo 30](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1868760169r.jpg) ![4005 LLOYD BOWEN - Photo 31](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1495464623r.jpg) ![4005 LLOYD BOWEN - Photo 32](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2653415679r.jpg) ![4005 LLOYD BOWEN - Photo 33](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1090672218r.jpg) ![4005 LLOYD BOWEN - Photo 34](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f768645609r.jpg) ![4005 LLOYD BOWEN - Photo 35](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1464592938r.jpg) ![4005 LLOYD BOWEN - Photo 36](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2517955136r.jpg) ![4005 LLOYD BOWEN - Photo 37](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2414400430r.jpg) ![4005 LLOYD BOWEN - Photo 38](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1219963667r.jpg) ![4005 LLOYD BOWEN - Photo 39](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f182383787r.jpg) ![4005 LLOYD BOWEN - Photo 40](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2512539104r.jpg) ![4005 LLOYD BOWEN - Photo 41](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3546723128r.jpg) ![4005 LLOYD BOWEN - Photo 42](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f337185969r.jpg) ![4005 LLOYD BOWEN - Photo 43](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3360477862r.jpg) ![4005 LLOYD BOWEN - Photo 44](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f609586192r.jpg) ![4005 LLOYD BOWEN - Photo 45](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3062793156r.jpg) ![4005 LLOYD BOWEN - Photo 46](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f335136618r.jpg) ![4005 LLOYD BOWEN - Photo 47](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1610625277r.jpg) ![4005 LLOYD BOWEN - Photo 48](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f642832261r.jpg) ![4005 LLOYD BOWEN - Photo 49](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f735906984r.jpg) ![4005 LLOYD BOWEN - Photo 50](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2960206971r.jpg) ![4005 LLOYD BOWEN - Photo 51](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f926221122r.jpg) ![4005 LLOYD BOWEN - Photo 52](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f2822424755r.jpg) ![4005 LLOYD BOWEN - Photo 53](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f727365498r.jpg) ![4005 LLOYD BOWEN - Photo 54](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1777118229r.jpg) ![4005 LLOYD BOWEN - Photo 55](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f508953049r.jpg) ![4005 LLOYD BOWEN - Photo 56](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1395289002r.jpg) ![4005 LLOYD BOWEN - Photo 57](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3356387224r.jpg) ![4005 LLOYD BOWEN - Photo 58](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f898965786r.jpg) ![4005 LLOYD BOWEN - Photo 59](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3167682271r.jpg) ![4005 LLOYD BOWEN - Photo 60](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f3758116120r.jpg) ![4005 LLOYD BOWEN - Photo 61](http://lh.rdcpix.com/ae038d4da1f0b29efa04218dbc74c42bl-f1024910879r.jpg) --- **MLS#:** MDCA2026454 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 Bright MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/4005-lloyd-bowen-saint-leonard-md-20685-aa2d3677f68f41599e457ba6be87e22d) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/4005-lloyd-bowen-saint-leonard-md-20685-aa2d3677f68f41599e457ba6be87e22d#listing", "url": "https://www.propertysimple.ai/listing/4005-lloyd-bowen-saint-leonard-md-20685-aa2d3677f68f41599e457ba6be87e22d", "name": "4005 LLOYD BOWEN, Saint Leonard, MD 20685", "description": "Welcome to an extraordinary Southern Living-inspired waterfront bungalow offering a rare blend of tranquility, luxury, and charm in pristine condition. Tucked away on a quiet, secluded road with only three homes, this exceptional property is surrounded by water and bordered by 25 acres of protected, unbuildable land, ensuring lasting privacy and breathtaking natural beauty. Ideally located less than an hour from Annapolis, Baltimore, Washington, D.C., and Northern Virginia-including Alexandria and Arlington-this home provides the perfect balance of peaceful waterfront living with easy access to major metropolitan conveniences. The 4-bedroom residence features 2 full baths and 2 half baths, with an open, airy design that captures stunning water views from virtually every window. The main level includes two bedrooms and showcases soaring cathedral ceilings, solid wood doors, and exceptional craftsmanship, while thoughtfully preserved elements from the original cottage add warmth, character, and a sense of nostalgia. The spacious kitchen is both elegant and functional, offering Silestone countertops, stainless steel appliances, white cabinetry, abundant counter space, a breakfast nook, and radiant heated flooring, with propane gas fueling both cooking and the home's heating system. The inviting family room centers around a striking fireplace and flows effortlessly onto a generous wraparound waterfront porch-perfect for relaxing or entertaining while taking in serene views. Built with quality and durability in mind, the home features a metal roof, Hardiplank exterior, and a warm, welcoming ambiance throughout. 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