Welcome to 644 Ayrlie Water Road, a vintage 1930s cottage with stunning views of the Chesapeake Bay, forever protected by the property’s ownership of the land directly across the street. Designated a conservation easement, this secondary property runs with the land and may not be built upon. This property is located on a lovely quiet street in close proximity to the Gibson Island Club. Enjoy the glorious daily sunrises and Bay views from the enclosed front porch of this delightful cottage located on a very quiet street off the beaten path. Walking distance to the Gibson Island Club, “Secret Beach” is across the street and available for a dip in the Bay, picnic, or just digging your toes in the sand while reading your book! Enter this quintessential cottage through a spacious enclosed porch into a simply magnificent wood-stained Great Room with Cathedral ceilings, visible beams, and two matching staircases on either side, each staircase leading to two bedrooms and a full bath. A huge woodburning fireplace graces the Great Room. Also on the main level is a spacious dining room perfect for entertaining, a renovated Kitchen, inviting Den, and Primary Bedroom with Full Bath. A lovely wraparound porch runs along on the backside of the house overlooking the woods, and a screened porch off the Kitchen provides delightful water views. A garage is connected to the house and may be accessed through stairs inside. Information on Gibson Island: Gibson Island is a private island within one hour of Washington, D. C. and Baltimore offering an absolutely extraordinary setting. The Island comprises 1000 acres with seven miles of shoreline. Two thirds of the Island is undeveloped and is owned by the Gibson Island Corporation, the homeowners' association. The remaining third is residential home sites. Gibson Island is located on the western shore of Maryland, so there is no need to cross the Bay Bridge. On the Island is a 43-acre spring fed freshwater lake in which one may enjoy non-motorized watercraft activities such as paddleboarding, canoeing, kayaking, fishing and swimming. The Island offers enormous privacy and security--there is an entry gatehouse staffed 24+Hours, and the Island is patrolled by the Gibson Island Police Force (GIPD). The Gibson Island Corporation Service Department offers yard maintenance and landscaping and other services for homeowners. There is a full-service yacht yard. From the Island, it is just a 20-minute drive to BWI Airport and the neighboring Amtrak train station. The Island houses a private country club (membership by invitation) offering yachting, fine dining year-round, tennis, an award-winning Charles Blair Macdonald designed 9-hole golf course, swimming, croquet, skeet shooting, and more. (C)
Single-familyProperty Type
1930Year Built
0.39 acresLot Size
$844Price/Sq.Ft.
$1,211/moHOA Dues
1 car garageParking
Listed by Sarah Kanne• Gibson Island Real Estate INC
•410-255-1341 (broker)
•ifhaislip@nilesbarton.com (broker)
Bought with Unrepresented Unrepresented• Unrepresented
Claim this home to receive a free report every month with insights on the changing estimate.
Market trends in 21056, MD
Last updated October 2026
Sale-to-list price
99.0%
+0.3% MoM
Median sale price
$3.7M
$271K MoM
Avg. days on market
40d
0 days MoM
Recently sold homes
6
2 MoM
Provided by Redfin
Homeowner tools
More resources
View owner dashboard
Track your estimate and nearby sale activity
Edit home facts
Review property details and add renovations
Manage photos
Update home photos or make them private
Rental estimate
Est. $4,063 per month, based on comparable rentals
Sale and tax history for 644 Ayrlie Water Rd
Sale History
Tax History
Date
Event
Price
BRIGHT MLS #MDAA2146362
Jul 11, 2026
Sold
$2,495,000
$844/sq ft
Jun 23, 2026
Pending
—
Jun 19, 2026
Contingent
—
Jun 4, 2026
Listed
$2,495,000
$844/sq ft
BRIGHT MLS #MDAA2105552
Jun 20, 2025
Sold
$2,379,000
$805/sq ft
May 7, 2025
Pending
—
Apr 24, 2025
Listed
$2,379,000
$805/sq ft
+40
Welcome to 644 Ayrlie Water Road, a vintage 1930s cottage with stunning views of the Chesapeake Bay, forever protected by the property’s ownership of the land directly across the street, 643 Ayrlie Water Road. Designated a conservation easement, this secondary property, which is . 4 in acreage, runs with the land and may not be built upon. Enjoy the glorious daily sunrises and Bay views from the enclosed front porch of this delightful cottage located on a very quiet, beautiful street off the beaten path. Walking distance to the Gibson Island Club, “Secret Beach” is across the street right next to the lot belonging to 644 Ayrlie Water, and available for a dip in the Bay, picnic, or just digging your toes in the sand while reading your book! Enter this quintessential cottage through a spacious enclosed porch into a simply magnificent wood-stained Great Room with Cathedral ceilings, visible beams, and two matching staircases on either side, each staircase leading to two bedrooms and a full bath. A huge woodburning fireplace graces the Great Room. Also on the main level is a spacious dining room perfect for entertaining, a renovated Kitchen, inviting Den, and Primary Bedroom with Full Bath. A lovely wraparound porch runs along on the backside of the house overlooking the woods, and a screened porch off the Kitchen provides delightful water views. A garage is connected to the house and may be accessed through stairs inside. Information on Gibson Island: Gibson Island is a private island within one hour of Washington, D. C. and Baltimore offering an absolutely extraordinary setting. The Island comprises 1000 acres with seven miles of shoreline. Two thirds of the Island is undeveloped and is owned by the Gibson Island Corporation, the homeowners' association. The remaining third is residential home sites. Gibson Island is located on the western shore of Maryland, so there is no need to cross the Bay Bridge. On the Island is a 43-acre spring fed freshwater lake in which one may enjoy non-motorized watercraft activities such as paddleboarding, canoeing, kayaking, fishing and swimming. The Island offers enormous privacy and security--there is an entry gatehouse staffed 24+Hours and the Island is patrolled by the Gibson Island Police Force (GIPD). The Gibson Island Corporation Service Department offers yard maintenance and landscaping and other services for homeowners. There is a full-service yacht yard. From the Island, it is just a 20-minute drive to BWI Airport and the neighboring Amtrak train station. The Island houses a private country club (membership by invitation) offering yachting through the Gibson Island Yacht Squadron, fine dining year-round, tennis, an award-winning Charles Blair Macdonald designed 9-hole golf course, swimming, croquet, skeet shooting, and more. (C)
Year
Property tax
Land + Additions
Assessment*
2026
$25,281 (+59.5%)
2025
$15,846 (+7.9%)
2024
$14,690 (+2.2%)
2023
$14,379 (+5.5%)
$967,100 + $226,200
$1,193,300
2022
$13,633 (+1.9%)
2021
$13,375 (+2.4%)
2020
$13,061 (+2.4%)
$937,100 + $194,400
$1,131,500
2019
$12,751 (+5.1%)
2018
$12,127 (+1.0%)
$820,800 + $193,300
$1,014,100
2017
$12,009 (−5.5%)
$820,800 + $193,300
$1,014,100
2016
$12,702 (+19.6%)
$1,121,100 + $195,400
$1,316,500
2015
$10,621 (+1.1%)
$1,121,100 + $195,400
$1,316,500
2014
$10,505 (+4.7%)
2013
$10,030 (+4.3%)
2012
$9,614 (+5.5%)
2011
$9,113
2010
$9,113 (+15.7%)
2009
$7,875
Public record
Public record
Permits
Beds
—
Baths
3
Stories
2
Lot width
—
Lot depth
—
Lot size
0.39 Acres
Year renovated
—
Sq. Ft.
2,956
Year built
1930
Style
Single Family Residential
County
Anne Arundel County
APN
03 35014740600
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 7, 2026.
Apr 30, 2008 • Final
Residential single family dwelling (new, addition, alteration, demolition, accessory dwelling unit)
Grading
Remodel
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Lot Features: Additional Lot(s), Backs to Trees, Front Yard, Partly Wooded, Premium, Rear Yard, SideYard(s)
Navigable Water
Has Water View
Tidal Water: No
Land Information
Additional Parcels
Additional Parcels Description: 643 Ayrlie Water conveys with 644 Ayrlie and is directly across the street and is in a recorded permanent conservation easement
Above Grade Information
Finished Sq.Ft.: 2,956
Finished Sq.Ft. Source: Assessor
Below Grade Information
Unfinished Sq.Ft.: 1,064
Unfinished Sq.Ft. Source: Assessor
Finished Sq.Ft. Source: Assessor
Financial
Tax Information
Agricultural Tax Due: No
Tax Assessed Value: $1,887,633
Tax Year: 2026
Tax Annual Amount: $21,428.17
Assessments Information
Year Assessed: 2026
Lease Information
Lease Considered: No
Utilities
Utilities Information
Central Air
Cooling Type: Ceiling Fan(s), Central A/C
Cooling Fuel: Electric
Forced Air
Heating Fuel: Oil
Hot Water: Electric
Sewer Septic: Private Septic Tank
Water Available, Electric Available
Water Source: Public
Location
Homeowners Association Information
HOA/Condo/Coop Fee Includes: Common Area Maintenance, Security Gate, Trash, Other
HOA/Condo/Coop Amenities: Common Grounds, Gated Community, Jog/Walk Path, Lake, Non-Lake Recreational Area, Picnic Area, Pier/Dock, Security, Water/Lake Privileges
HOA Fee: $1,211
HOA Fee Frequency: Monthly
Other Fees: $330
Other Fees Frequency: Monthly
School Information
Elementary School: BODKIN
Middle Or Junior School: CHESAPEAKE BAY
High School: CHESAPEAKE
School District Name: ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
Elementary School Source: Listing Agent
Middle School Source: Listing Agent
High School Source: Listing Agent
School District Source: Listing Agent
Location Information
Outside City Limits
Directions: 95 North to 100 East to Mountain Road which dead ends at Gibson Island Gate House. Because Gibson Island is private, there is no admittance without a listing appointment with listing agent. Must be accompanied by listing agent at all times. Contact agent for further information.
Waterfrontage Information
Water Access
Water Oriented
Water Body Type: Bay
Water Body Name: Chesapeake Bay
Public facts
Beds: —
Baths: 3.0
Sq. Ft.: 2,956
Stories: 2.0
Lot Size: 0.39 acres
Style: Single Family Residential
Year Built: 1930
Year Renovated: —
County: Anne Arundel County
APN: 03 35014740600
Home facts updated by county records on Oct 7, 2026
Around this home
Schools
Bodkin Elementary School
Public PreK-5 • Assigned • 3.3mi
8/10
Chesapeake Bay Middle School
Public 6-8 • Assigned • 3.3mi
8/10
Chesapeake High School
Public 9-12 • Assigned • 3.3mi
6/10
Provided by GreatSchools
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.15% chance of being in a wildfire in next 30 years
8/10 Heat Factor
7 days above 104° expected this year, 16 days in 30 years
7/10 Wind Factor
79% chance of strong winds in next 30 years
3/10 Air Factor
3 unhealthy days expected this year, 4 days in 30 years
Provided by First Street
Historical weather
Gibson Island, MD • 21056
Average low and high temperatures (°F)
38
26
42
30
58
42
66
52
72
59
83
69
87
74
80
67
76
65
66
53
58
45
44
32
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
91/ 100
Exceptional sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.4 hrs
6 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$2.58M – $3.12M
Reach more buyers when you sell with Redfin. Plus, you'll save $27,147 in fees.