See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

6520 Swan Creek Rd, Rock Hall, MD, 21661

7beds
7baths
12,520sqft
$3,150,000
$252price/sqft
$21,372/moest. monthly cost
$854,880/yrincome needed

About This Home

All showings require pre screening and financial capability prior to scheduling any showing. Rarely does a property of this sort come available in Kent County Maryland! This incredible 139+/- acre Chesapeake Bay property is available in it's entirety, however the seller may consider selling the primary residence with a reduced amount of acreage under the right conditions, providing the purchaser bares the cost to do so and is willing to wait the extended period of time to accomplish. The entire property features 72+/- tillable acres, 3900+/- footage of Chesapeake Bay beach frontage, extensive County road frontage, a 3.5 acre waterfowl pond, 2 other smaller ponds, a ten stall horse barn, and caretakers home. A large 33+/- acre flooded area, teeming with waterfowl and deer surrounded by woods runs through the heart of the property. The main residence, designed by architect Paul Rudolf, is perched upon the rip rapped shores of the Chesapeake Bay with endless broad water views. Although the main residence is in need of complete restoration, the site is extraordinary and the salvage reward is potentially significant in dollar value. There is a possibility for construction of a new home on the existing building pad. The hunting and recreational value for this property is enormous! Just imagine family picnics on the sandy beach or spending countless hours searching for sea glass and Indian artifacts while soaking up the sun and listening to the gentle waves roll up on the beach. This property is extremely private, however, convenient to Historic Chestertown, summer fun in Rock Hall, and a short drive to regional airports in Philadelphia, Baltimore and Washington DC. The property is being sold AS-IS, Where-IS and requires 24 hour notice to show with listing agent on site for any and all showings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
2/10
Kent County Middle SchoolGrades 6-811.9 mi
5/10
Kent County High SchoolGrades 9-1212.9 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Crawl Space
  • Roof: Asphalt,Unknown
  • Construction materials: Brick,Stone,Combination

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Ranch/Rambler
  • Property subType: Farm

Interior

Appliances

  • Appliances included: Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Kitchen - Country,Kitchen Island,Dry Wall
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area above ground: 12,520

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 12,520
  • Total interior livable area: 12,520 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1505020646
  • Zoning: RCD
  • Zoning description: `This property is zoned Resource conservation and is in the Ches. Bay Critical Area.
  • Special condition: Standard
  • Horse amenities: Horses Allowed,Stable(s)

Features

  • Levels: Three
  • Stories: 3
  • Private pool: Yes
  • Pool features: Private
  • Exterior features: Other
  • Fencing: Wood
  • Has view: Yes
  • View description: Bay,Creek/Stream,Panoramic,Pasture,Pond,Scenic Vista,Trees/Woods,Water
  • Has water view: Yes
  • Water view: Bay,Creek/Stream,Pond,Water
  • On waterfront: Yes
  • Waterfront features: Sandy Beach,Rip-Rap,Bayfront,Bay
  • Waterbody name: Chesapeake Bay
  • Frontage type: Road Frontage
  • Frontage length: Water Frontage Ft: 3900
  • Horses can be raised: Yes

Lot

  • Lot size: 139 Acres
  • Features: Backs to Trees,Cleared,Hunting Available,Irregular Lot,Marshy,Not In Development,Wooded,Pond,Private,Rip-Rapped,Rural,Secluded,Stream/Creek,Subdivision Possible,Unrestricted

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Side,Circular Driveway,Driveway,Off Street,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Lightning
Drought
Hurricane
Heat Wave
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $15,928$191,136
Home Insurance *$1,434$17,208
Property Taxes $2,415$28,980
Electricity $1,595$19,141
Total$21,372$256,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$732,754/yr
40% on housing$641,160/yr
45% on housing$569,920/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$252This listing

vs Other Active Listings

Avg $/sqft

ZIP 21661$169
Kent County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 21661
Kent County$226

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-20Price change$3,150,000
2026-01-04Listed for sale$3,500,000
2025-10-13Listing removed$1,800,000
2025-06-10Price change$1,800,000
2025-03-03Price change$2,200,000
2025-02-17Listed for sale$3,800,000
2025-01-23Listing removed$5,000,000
2024-06-10Listed for sale$5,000,000
2021-08-17Listing removed$2,475,000
2021-02-13Price change$2,475,000
2021-01-05Price change$3,950,000
2020-12-31Price change$2,475,000
2019-10-19Price change$3,950,000
2019-09-14Price change$3,900,000
2018-06-23Listed for sale$4,100,000

For Sale by Agent

AgentWilliam Norris
BrokerageSelect Land & Homes, LLC

Similar Homes