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3 Spinnaker Reef

MIDDLE RIVER, MD 21220

4 beds
4 baths
2,809 sqft
6,098 sqft lot
$204 per sqft
1996 build

Welcome to 3 Spinnaker Reef Court in sought after Seneca Harbor– The Builder’s former personal home Packed with Upgrades and Custom Features! Nestled on a quiet cul-de-sac in a highly desirable neighborhood, this stunning 4-bedroom, 3.5-bath home offers exceptional living with over-the-top amenities with more than 3100 square foot of finished living space, thoughtful design, and unbeatable convenience to major highways including 43, 695, and I-95. From the moment you arrive, the brick front exterior, extra-wide front porch, and wide sidewalks make a charming first impression. Step inside to an open 2 story foyer and discover the perfect blend of luxury and comfort, featuring hardwood and tile flooring throughout most of the home, and dual-zone A/C for year-round comfort. The main-level master suite is a true retreat, showcasing a brand new, spa-inspired bathroom with a standalone soaking tub and separate shower. Upstairs, three large bedrooms boasts one with a California Closet, full bath and massive storage spaces – perfect for any lifestyle. The gourmet chef’s kitchen will impress with granite countertops, stainless steel appliances, a double gas oven, built-in microwave, custom island, under-cabinet lighting, and plenty of cabinetry. It flows seamlessly into the living area, highlighted by custom built-in shelving surrounding a cozy gas fireplace with stone surround. Head down to the finished basement with soaring 8.5-foot ceilings, a custom bar with designer lighting, kitchenette, and a flex room ideal for a gym, office, extra bedroom, or playroom. You’ll also find a battery back-up sump pump for peace of mind. Outdoor living is just as spectacular with a custom paver patio, built-in firepit, privacy fence, and a 1-year-old large Amish-built shed with electric – ideal for hobbies or storage. Additional highlights include an Attached single-car garage + wide 2-car driveway, New windows, Two attics for added storage, Built-in storage over the garage, Custom shelving and thoughtful built-ins throughout. NO HOA fees!!! This exceptional home combines high-end features, practicality, and location—all in one. Don’t miss your chance to own this standout property!

Listing courtesy of BRIGHT / Platinum Realty Group

Last checked: Checking… • Last updated May 21, 2025 •

MLS# MDBC2127068 —

The Building

Year Built:

1996
Year Built Source:

Assessor
Roof:

Asphalt
New Construction:

No
Construction Materials:

Combination, Brick
Structure Type:

Detached
Architectural Style:

Cape Cod
Levels:

3
Door Features:

Atrium, Insulated, Six Panel
Window Features:

Bay/Bow, Double Pane, Screens, Skylights
Accessibility Features:

None
Foundation Details:

Block
Basement:

Yes
Basement Type:

Fully Finished
Total SqFt Source:

Estimated
Total Below Grade SqFt:

1315
Total Below Grade SqFt Source:

Estimated
Above Grade Finished Area Units:

Square Feet
Above Grade Finished SqFt:

1834
Above Grade Finished SqFt Source:

Assessor
Below Grade Finished Area Units:

Square Feet
Below Grade Unfinished Area Units:

Square Feet
Below Grade Finished SqFt Source:

Estimated
Below Grade Finished SqFt:

975
Below Grade Unfinished SqFt:

340
Below Grade Unfinished SqFt Source:

Assessor
Tax Total Finished SqFt:

2634

Interior

Interior Features:

Kitchen - Country, Kitchen - Island, Dining Area, Built-Ins, Window Treatments, Primary Bath(s), WhirlPool/HotTub, Floor Plan - Open
Room List:

Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Laundry, Other, Utility Room, Bedroom 6
Fireplace:

Yes
Fireplaces:

1
Fireplace Features:

Fireplace - Glass Doors, Mantel(s)
Wall & Ceilings:

Cathedral Ceilings, Tray Ceilings
Living Area SqFt Source:

Estimated

Room Dimensions

Total SqFt:

3149
Living Area SqFt:

2,809 Sqft

Financial & Terms

Sale Type:

Standard
Possession:

Immediate, Negotiable

Location

Directions:

gps
Latitude:

39.32515000
Longitude:

-76.39309000

The Property

Property Type:

Residential
Lot Size Units:

Square Feet
Lot Size Acres:

0.14
Lot Size Source:

Assessor
Lot Features:

Landscaping
Lot SqFt:

6,098 Sqft
Zoning:

R1
Road Responsibility:

City/County
View:

Garden/Lawn
In City Limits:

No
Outdoor Living Structures:

Porch(es)
Other Structures:

Above Grade, Below Grade
Waterview:

No
Waterfront:

No
Water Oriented:

No
Water Access:

No
Navigable Water:

No
Tidal Water:

No
Land Use Code:

R
Riparian Rights:

No

Listing Agent

Contact info:

Taxes

Tax ID Number:

04152200015370
Tax Year:

2025
Tax Lot:

15
Tax Annual Amount:

$4,261
Total Taxes Payment Frequency:

Annually

Beds

Bedrooms:

4
Bedrooms Main Level:

1
Upper Level Bedrooms:

3
Upper Level 1 Bedrooms:

3

Baths

Total Baths:

4
Full Baths:

3
Half Baths:

1
Main Level Baths:

2.00
Main Level Full Baths:

1
Main Level Half Baths:

1
Upper Level Full Baths:

1
Lower Level Full Baths:

1
Upper Level Total Baths:

1
Upper Level Total Baths:

1.00
All Lower Levels Total Baths:

1
Lower Level Total Baths:

1.00
Upper Level Full Baths:

1
Lower Level Full Baths:

1

Heating & Cooling

Cooling Type:

Ceiling Fan(s), Central A/C
Central Air:

Yes
Cooling Fuel:

Electric
Heating:

Yes
Heating Type:

Forced Air
Heating Fuel:

Natural Gas

Utilities

Utilities:

Under Ground
Sewer/Septic:

Public Sewer
Hot Water:

Natural Gas
Water Source:

Public

Appliances

Appliances:

Cooktop, Dishwasher, Disposal, Exhaust Fan, Icemaker, Oven/Range - Gas, Oven - Self Cleaning, Refrigerator

Schools

School District Name:

Baltimore County Public Schools
School District Source:

Listing Agent

The Community

Subdivision Name:

Seneca Harbor
Senior Community:

No
Exterior Features:

Sidewalks
Pool:

No Pool
HOA:

No
Condo/Coop Association:

No

Parking

Total Garage and Parking Spaces:

1
Garage:

Yes
Garage Features:

Garage - Front Entry
Garage Spaces:

1.00
Type of Parking:

Off Street, Attached Garage
# of Attached Garage Spaces:

1

Extra Units

Vacation Rental:

No

Monthly cost estimate

Asking price

$574,900

Expense	Monthly cost
Mortgage	$3,078
Taxes	$355
Insurance	$158
Utilities	$230 See report
Total	$3,821/mo.^*
	^*This is an estimate

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Air Pollution Index

Provided by ClearlyEnergy

Sale history

Date	Event	Source	Price	% Change
5/19/25 May 19, 2025	Listed / Active	BRIGHT	$574,900

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This house located in Bowleys Quarters, MD 21220 is currently for sale for $574,900. 3 Spinnaker Reef is a 2,809 square foot house with 4 beds and 4 baths. This house is in the attendance area of Middle River Middle School, Kenwood High School, and Seneca Elementary School.

Listing Courtesy of: BRIGHT and Platinum Realty Group.

The information included in this listing is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information on each listing is furnished by the owner and deemed reliable to the best of his/her knowledge, but should be verified by the purchaser. BRIGHT MLS and Estately assume no responsibility for typographical errors, misprints or misinformation. This property is offered without respect to any protected classes in accordance with the law. Some real estate firms do not participate in IDX and their listings do not appear on this website. Some properties listed with participating firms do not appear on this website at the request of the seller.