Best Maryland 55+ Communities Near the Water

Maryland offers many active adult communities on or near the Atlantic coast. 

Home to the Chesapeake Bay, the largest estuary in the world, and positioned along the Atlantic coast, Maryland provides opportunities to enjoy the water that span from beach-going to boating to fishing.

Many Mid-Atlantic residents look forward to spending vacations and days off at the beach or the bay. For residents over 55, Maryland offers many active adult communities near or on the water, from the Eastern Shore to the Washington, D.C. area. These homes allow residents to enjoy the beauty and recreation provided by the state’s waterways.

Here are five 55+ communities in Maryland where residents can take full advantage of the water.

Bay Bridge Cove

Low $300s – High $300s

Bay Bridge Cove is an age-restricted community on Kent Island in the Chesapeake Bay. For many residents, this provides a great place to live by the water, but it only takes a short drive to get back to Annapolis and the Washington, D.C. area.

Once complete, the community will include 273 beach-inspired homes, a clubhouse with community space, an outdoor pool and patio, and tennis courts. Residents can take advantage of the waterfront at nearby marinas, the Terrapin Nature Park’s trails and beach, and the many dockside restaurants around Kent Island.

Four Seasons at Kent Island

Low $400s

Active adults looking for a new home on Kent Island can also opt to buy at Four Seasons at Kent Island. This brand new community will offer many different styles and models of houses, ranging from 1,700 to 3,500 square feet. Builder K. Hovnanian plans to construct 162 low-maintenance homes designed specifically for active adults.

Residents will be able to enjoy a clubhouse with meeting rooms, an outdoor pool and patio, an indoor pool, and a fitness center. Waterfront living is at its best at Four Seasons at Kent Island; the community will also provide a boat and kayak launch, a community pier, and trails along the Chester River and Chesapeake Bay.

The Hamlets at South River Colony

High $300s – Low $400s

Waterfront active adult communities are not limited to the Eastern Shore. On the Bay’s western shore from Annapolis to St. Mary’s City, prospective homebuyers can find waterfront homes in a number of age-restricted communities. One community just south of Annapolis is The Hamlets at South River Colony.

This intimate neighborhood of under 200 homes now offers homes for resale only within the larger planned community of South River Colony. The villages of Edgewater and Londontowne provide a quaint setting along the South River, where residents can enjoy shopping and restaurants. Homeowners enjoy the waterfront lifestyle along piers, parks, and trails while also having the benefit of an easy commute to Annapolis and Washington, D.C.

The Harbours at Solomons Island

Low $300s – Mid $500s

For residents of the bustling urban and suburban areas around D.C., Solomons Island truly feels like a refuge. The little creeks leading to the Patuxent River create miles of wooded coastline, while the island itself provides seafood restaurants, bars, ice cream shops, and quiet spots to just sit and enjoy the waterfront views.

Residents of the Harbours at Solomons Island can take full advantage of this relaxed lifestyle. The age-restricted community offers single-family and attached homes starting in the low $300s. The community is right on the water, allowing residents to launch a kayak, take a dip in the beach area, or just sit and enjoy the peace and quiet of Southern Maryland at the waterfront restaurant, outdoor patio, and scenic trails.

Can you spot the $207,744 difference between these identical homes?

Financing is the difference!

Get the details in The 62+ Loan Homebuyers Guide.

55places Mortgage is a joint venture between Mutual of Omaha Mortgage and
Details here.

We're here to help! (800) 928-2055

Call us to speak with a customer service representative.

Subscribe to Our Newsletter

Get Weekly Updates

I agree that 55places and its affiliates, partner providers or agents may call, text, or email me about my inquiry, which may be made with automated means. I understand that my consent is not a prerequisite for buying a property. I may revoke my consent at any time by contacting Message/data rates may apply. I also agree to’s Privacy Policy and Terms of Use.

The Best Places to Snowbird in 2021

We’ve gathered 25 of the best places for snowbirds, including cities in Florida, Arizona, California, Texas, South Carolina, and Nevada. For each entry, we’ve also provided a list of recommended 55+ communities in the area. If you’re ready to find your own winter retreat this season, here are some of the best places to consider.

A 55+ homebuyer doing research with the Market Insights tool.

55+ Market Insights: A New Tool for Market Research From

55places is proud to announce the launch of an advanced real estate data tool that will better equip 55+ homebuyers to make confident decisions about the next chapter of their lives. By combining our in-depth knowledge of 55+ communities with comprehensive MLS data, this innovative tool will transform the decision-making process for prospective buyers, sellers, and real estate professionals.

About 55places

We’re changing the way people 55 and older are searching for their perfect next place. With a national network of hand-selected real estate experts, plus comprehensive information, unbiased content, and on-the-go insight about thousands of communities across the country, we’re a trusted resource paving the way from here to home. Whether you’re interested in a low-maintenance single-level residence, an active lifestyle or age-qualified community, an intimate enclave, or anything in between, we can help you make your next move the best one yet.

Scroll to Top