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5820 Bell Creek Rd, Preston, MD, 21655

2beds
1baths
1,292sqft
$525,000
$406price/sqft
$3,679/moest. monthly cost
$147,160/yrincome needed

About This Home

Don’t miss this exceptional 20+/- acre working horse farm thoughtfully designed for both functionality and country living. This well-equipped equestrian property offers everything needed for training, boarding, riding, and daily farm operations. The property features a 36’ x 40’ center-aisle barn with 9 stalls, water, electric, and an insulated tack room, along with a 77’ x 36’ metal barn currently framed as a shell and designed for 8+ additional stalls and a dedicated hay storage area. A 36’ x 20’ three-bay workshop provides ample space for equipment, storage, or farm projects. Equestrian amenities include a 100’ x 200’ sand arena and 13 turnout pastures in varying sizes including 100’ x 100’, 100’ x 300’, 100’ x 400’, and 200’ x 400’. Several pastures offer the flexibility to be subdivided for additional turnout space. Adding to the charm is a comfortable 2-bedroom, 1-bath farmhouse offering approximately 1,290 square feet of living space with a brand new kitchen and surrounded by mature fruit trees and peaceful countryside views. Approximately 7 acres are enrolled in Forest Conservation, featuring scenic riding trails that lead to a stream flowing into Hog Creek. With separate entrances from Bell Creek Road serving both the residence and barn areas, this unique property offers privacy, convenience, and endless possibilities for horse enthusiasts, trainers, or anyone seeking a beautiful rural retreat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Preston Elementary SchoolGrades PK-54.0 mi
4/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Pillar/Post/Pier
  • Construction materials: Asbestos

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse/National Folk
  • Property subType: Farm

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Electric Water Heater
  • Laundry features: Laundry Room

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Family Room

  • Level: Main

Features

  • Floor Plan - Traditional
  • Flooring: Wood,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,292

Heating & Cooling

  • Heating features: Wall Unit,Propane
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 1,292
  • Total interior livable area: 1,292 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0604012305
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Horses can be raised: Yes

Lot

  • Lot size: 20 Acres
  • Features: Backs to Trees,Cleared,Front Yard,Not In Development,Premium,Rear Yard,Secluded

Parking

  • Parking features: Driveway
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Coastal Flooding
Cold Wave
Drought
Hurricane
Heat Wave
Lightning
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 $2,654$31,848
Home Insurance *$251$3,012
Property Taxes $493$5,916
Electricity $281$3,374
Total$3,679$44,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,137/yr
40% on housing$110,370/yr
45% on housing$98,106/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$406This listing

vs Other Active Listings

Avg $/sqft

ZIP 21655$127
Caroline County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 21655
Caroline County$201

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)

Price History

DateEventPrice
2026-05-20Listed for sale$525,000
2023-03-15Sold$465,000
2023-01-10Pending sale$475,000
2023-01-04Price change$475,000
2022-11-01Listed for sale$495,000
1999-11-30Sold$105,000
1998-02-04Sold$128,000

For Sale by Agent

AgentColleen Smith
BrokerageEXP Realty, LLC

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