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1606 Steamboat Wharf Rd, Fishing Creek, MD, 21634

3beds
2baths
1,740sqft
$349,900
$201price/sqft
$2,475/moest. monthly cost
$99,000/yrincome needed

About This Home

WOW! Seller is motivated and has drastically reduced. Act now while there is plenty of summer left. Chesapeake sunsets and Honga River sunrises. Watermen heading out at dawn. Ospreys, heron, and egrets hunting their dinner. A short walk to crabs harvested that very morning. Everything that makes the Eastern Shore unique -- the Bay, windswept marshes, seafood, its deeply rooted history -- in a magical place where time slows down so you can catch up. Check out the former Airbnb " Hoopers Island Victorian" listing to find out what makes the house and island so special, from the past visitor's reviews. 🏡 The House Cross a breathtaking causeway and you are smack dab in the middle of an island that measures 1/3 of a mile across. this Chesapeake Bay to the west, Honga River to the east, tidal marsh to the north, and a marina to the south. You are surrounded by water and can see it from every room in the house. A spacious Victorian filled with historic details, high ceilings and original hardwood floors. Windows everywhere, all designed to bring in natural light and bay breezes, 3 bedrooms (comfortably sleeps 8), 1.5 baths, all new appliances. 1.4 acres, privacy, outdoor shower, grazing deer and resident Osprey family. Air-conditioning, high-speed internet, 2 fridges. 🔑 Lock and Load All you have to do is move in. Seller has completed extensive renovations. Includes most furniture and lighting, including dining table and chairs, living room couch and chairs, 5 beds, bureaus, TV and 2 refrigerators. Hammock chairs, porch furniture, fishing poles, crab nets and appliances. 🌾 The Island Two miles off Maryland’s Eastern Shore and 45 minutes from historic Cambridge lies Hoopers Island—one of the last inhabited islands in the Chesapeake Bay. Stretching ten miles and made up of three barrier islands, it’s home to pelicans, ospreys, great blue herons, egrets, cormorants, ibis, and only about 500 year‑round residents. Outdoors, the lifestyle truly comes alive--summer firepits under the stars, crisp fall evenings along the shoreline, and kayak adventures just moments way (kayaks included). Each season brings its own rhythm from sun-soaked summer days to the deeply restorative autumn season. 📍 The Region Close to Easton, St. Michaels, and Oxford. Blackwater National Wildlife Refuge offers hiking paths and 17 miles of water trails and a wide variety of local wildlife and scenic views. The Harriet Tubman Museum. a 10-minute drive to Old Salty's Restaurant, an Eastern Shore institution. A 10-minute walk to the freshest crabmeat and steamed crabs. Day trips to Ocean City or Rehoboth Beach, or carve out a half day visit to St Michaels, Oxford or Easton/

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
South Dorchester SchoolGrades PK-89.3 mi

Construction

Condition

  • Year built: 1914

Materials

  • Foundation: Crawl Space
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven/Range - Gas,Refrigerator,Water Heater,Instant Hot Water
  • Laundry features: Lower Level,Hookup,Washer/Dryer Hookups Only

Bedroom1

  • Features: Fireplace - Wood Burning,Flooring - HardWood
  • Level: Upper
  • Area: 196
  • Dimensions: 14 X 14

Bedroom2

  • Features: Flooring - HardWood
  • Level: Upper
  • Area: 168
  • Dimensions: 14 X 12

Bedroom3

  • Features: Flooring - HardWood
  • Level: Upper
  • Area: 182
  • Dimensions: 14 X 13

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 182
  • Dimensions: 14 X 13

Features

  • Plaster Walls
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,740

Foyer

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 70
  • Dimensions: 14 X 5

Heating & Cooling

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

Interior Area

  • Total structure area: 1,740
  • Total interior livable area: 1,740 sqft

Kitchen

  • Features: Flooring - HardWood,Kitchen - Propane Cooking
  • Level: Main
  • Area: 169
  • Dimensions: 13 X 13

Living Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 182
  • Dimensions: 14 X 13

Screened Porch

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 144
  • Dimensions: 12 X 12

Utility Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 78
  • Dimensions: 13 X 6

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1006091512
  • Zoning: V
  • Special condition: Standard
  • Exclusions: List To Be Provided

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Screened Porch
  • Exterior features: Outdoor Shower
  • Has view: Yes
  • View description: Water,Trees/Woods,River,Marina,Harbor
  • Has water view: Yes
  • Water view: Water,River,Marina,Harbor
  • Waterfront features: Bayside,Bay

Lot

  • Lot size: 1.25 Acres

Parking

  • Total spaces: 4
  • Parking features: Gravel,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

  • Coastal Flooding
    Coastal FloodingVery High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Drought
Hurricane
Strong Wind
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 $1,769$21,228
Home Insurance *$71$852
Property Taxes $354$4,248
Electricity $281$3,374
Total$2,475$29,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,857/yr
40% on housing$74,250/yr
45% on housing$66,000/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 21634$167
Dorchester County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 21634$464
Dorchester County$146

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
2026-06-25Price change$349,900
2026-04-20Listed for sale$389,000
2022-01-07Sold$250,000
2021-11-23Pending sale$290,000
2021-11-23Contingent$290,000
2021-08-25Price change$290,000
2021-06-14Listed for sale$325,000
2001-05-30Sold$50,000

For Sale by Agent

AgentBarbara Dayton
BrokerageLong & Foster Real Estate, Inc.

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