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107 Smith St, Federalsburg, MD, 21632

3beds
2baths
1,056sqft
$184,000
$174price/sqft
$1,529/moest. monthly cost
$61,160/yrincome needed

About This Home

Move-In Ready & Beautifully Remodeled! This charming 3-bedroom, 1.5-bath home offers the perfect blend of comfort and convenience. Enjoy a spacious living room, separate dining area, and a dedicated laundry room for added functionality. The kitchen is designed for both everyday living and entertaining, featuring dual bar seating areas with open views to the living and dining spaces. One bedroom includes a private half bath—ideal for guests or added flexibility. Relax on the inviting front porch, perfect for evening unwinding. Conveniently located near shopping, grocery stores, a public boat ramp, park, and walking trails—with the added bonus of tax-free shopping just a short drive away in Delaware. A must-see home ready for its new owners!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

2/10
4/10

Construction

Condition

  • Year built: 1973

Materials

  • Construction materials: Other

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Ranch/Rambler
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,056

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 1,056
  • Total interior livable area: 1,056 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0605008433
  • Zoning: R-2
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Enclosed,Porch

Lot

  • Lot size: 10,350 sqft
  • Lot size dimensions: 69.00 x

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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

  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Lightning
Strong Wind
Winter Weather
Drought
Heat Wave
Inland Flooding
Wildfire
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 $930$11,160
Home Insurance *$77$924
Property Taxes $241$2,892
Electricity $281$3,374
Total$1,529$18,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,422/yr
40% on housing$45,870/yr
45% on housing$40,773/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

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 21632$88
Caroline County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 21632
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)

No zestimate history available

Price History

DateEventPrice
2026-04-07Listed for sale$189,000
2026-04-04Listing removed$198,000
2026-03-11Price change$198,000
2026-02-09Price change$219,999
2025-10-17Listed for sale$229,990
2024-11-11Listing removed$234,900
2024-10-17Price change$239,900
2024-09-07Listed for sale$249,900

For Sale by Agent

AgentDawn Hubbard
BrokerageKeller Williams Select Realtors of Cambridge

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