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I've lived in SP my whole life (give or take a few years here and there), so I know about many of the communities here. Carollton Manor is a nice neighborhood that has some waterfront homes - may have a community waterfront but not sure. Over the last several years many older homes have been renovated or knocked down and re-built, so you'll find a wide variety of house types in that community. Still, it's nice and a great one for families. It's very near the Safeway grocery store. Not sure if it feeds into Benfield Elem or Oak Hill Elem, but both are good (Benfield is a Blue Ribbon School).
For your price range you should be able to find something, but it will most likely be an older home, but that's common in most of SP. If you can find a house you like, I recommend the area for the schools alone. Yes, there are snobby people but like you said, just ignore them! There are also nice, down to earth people all over the place too. I have a 13 year old, and yes, name brands are a big deal to her, but she does babysitting and saves her own money for the big ticket purchases she wants.
A few other nice neighborhoods to check out are Chartridge, Berrywood South, Westridge.
Finally, have you thought about the Arnold area? They are the next town up Rt. 2 towards Annapolis and they also have a wonderful school system. My sister's children have gone there - one in college now - and she's enjoyed it. Some nice neighborhoods in there are Foxmoor and Hunters Pointe.
Good luck!!
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