3539 BAY DR, Baltimore, MD 21220

Set along the coveted Bowley's Quarters waterfront, this exceptional custom-built residence commands a premier position on the Chesapeake Bay at the mouth of the Middle River—offering sweeping, year-round water views and an unparalleled setting for both grand entertaining and everyday living. The main level is defined by rich hardwood flooring and expansive windows that flood the home with natural light while framing panoramic bay vistas from the living room, dining room, and kitchen. The kitchen has been thoughtfully reimagined with new countertops, freshly painted cabinetry, and updated appliances, blending modern functionality with timeless appeal. The spacious primary suite serves as a private retreat, complete with direct access to the deck and breathtaking water views, a generous walk-in closet, and an expansive en-suite bath. Throughout the home, five well-proportioned bedrooms—each accommodating king-size furnishings—offer comfort and flexibility, complemented by custom closet systems that provide exceptional storage. Outdoor living is equally impressive, with premium Ipe wood decking extending across the main level and wrapping around the porch and deck areas, creating a seamless connection to the surrounding landscape. Durable James Hardie Plank siding enhances both aesthetics and longevity, while recent updates—including a new deck awning and stamped concrete walkways. The fully fenced rear yard offers privacy and security, while the 100-foot waterfront is a true boater’s haven, featuring an 8,500 lb boat lift, two jet ski lifts, and a mooring pole—providing effortless access to the bay. Ample parking is accommodated by a spacious concrete driveway for approximately nine vehicles, an attached two-car garage, and a detached two-car garage with loft space, currently configured as a workshop with potential for further customization. The lower level offers exceptional versatility, featuring a fully finished basement with a full bar, expansive recreation space, a full bath, and an additional bedroom with tranquil water views—ideal for guests or extended living. A rare offering, this waterfront estate seamlessly blends custom craftsmanship, meaningful updates, and direct Chesapeake Bay access—delivering a truly turnkey lifestyle defined by comfort, elegance, and unforgettable views.