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20949 Somers Rd, Ewell, MD, 21824

4beds
3baths
2,650sqft
$315,000
$119price/sqft
$2,398/moest. monthly cost
$95,920/yrincome needed

About This Home

Welcome to your very own slice of paradise on Smith Island, Maryland! This rare offering is a water and nature enthusiast’s delight. Currently as one of the island's most desirable rentals, this fine property is an ideal weekend/vacation retreat or full-time island home for the most discerning buyer. Existing bookings are already secured for the upcoming season! Enjoy convenient one floor living, situated on almost a full acre of land, including a 20x20 outdoor storage shed, the property boasts one of the largest yards on the entire island. This four-bedroom, two-and almost a-half-bath, cozy and inviting home has many outstanding features. The kitchen, family room, and large sun/recreation room all offer ample space for entertaining. From the new front porch accentuated with a comfortable low country bed/swing overflowing with cozy pillows, to the back deck abounding with scenic views of the marshes and a variety of waterfowl and migratory birds. Upon entering the home, you’ll be greeted with a lovely built-in, electric wall mounted fireplace encased in custom shiplap. It adds ambiance and supplementary heat to the family room. Also, a beautiful bow/picture window overlooks the front yard. The floors are newly installed luxury vinyl plank in the family room, kitchen, bathrooms and hallways. The fully updated kitchen, located just off the family room, boasts a recently installed custom, decorative glass backsplash, new butcher block countertops, and all-new black stainless GE appliances. Through the kitchen, you’ll enter a mudroom space to hang outerwear, coats and jackets. The separate laundry room, which includes a new hot water heater, washer, a new Whirlpool dryer an additional toilet. A beautiful sunroom spans the back of the kitchen featuring built in desk space, large windows and sliding doors. Currently used as a recreation/game room, this three-season room offers spectacular views of the island’s surroundings, including marshes and canals. The home has four bedrooms, with an additional storage room that could be converted into another bedroom. The primary bedroom is situated on the opposite side of the home from the three bedrooms, providing privacy. It has two large closets, an en suite bathroom with a double vanity, new toilet, and a garden tub with a separate stall shower. The three bedrooms are located on the opposite side of the home and feature a full bathroom, with tub/shower, a linen closet, extra water heater, and access to the attic space. Step outside and you’ll be greeted by a brand-new deck that spans across the back of the house. The sunrise views from this deck are absolutely breathtaking! This home has everything you need: seller offering a one-year home warranty and most of the furnishings will convey. If you had to describe this property with just one word, it would be STUNNING! Call today for an exclusive showing.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

--
Ewell SchoolGrades 3,70.3 mi
4/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1994

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2024

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

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

Bathroom2

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Family Room

  • Level: Main

Features

  • Attic,Soaking Tub,Bathroom - Stall Shower,Bathroom - Tub Shower,Entry Level Bedroom,Family Room Off Kitchen,Floor Plan - Traditional,Eat-in Kitchen,Kitchen - Table Space,Primary Bath(s),Recessed Lighting,Dry Wall
  • Door features: Sliding Glass
  • Window features: Bay/Bow,Casement,Double Hung,Screens,Sliding,Window Treatments
  • Flooring: Luxury Vinyl,Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,650

Heating & Cooling

  • Heating features: Central,Heat Pump,Electric
  • Cooling features: Central Air,Heat Pump,Electric

Interior Area

  • Total structure area: 2,650
  • Total interior livable area: 2,650 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Office

  • Level: Main

Other

  • Level: Upper

Other

  • Level: Main

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Level: Main

Storage Room

  • Level: Main

Property

Accessibility

  • Accessibility features: 2+ Access Exits,Accessible Doors

Details

  • Parcel number: 2010002605
  • Zoning: MRC
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Rain Gutters,Sidewalks,Street Lights
  • Has view: Yes
  • View description: Canal,Creek/Stream,Panoramic,Water
  • Has water view: Yes
  • Water view: Canal,Creek/Stream,Water
  • Waterfront features: Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Canal

Lot

  • Lot size: 0.98 Acres
  • Features: Cleared,Front Yard,Hunting Available,Marshy,Private,Rear Yard,SideYard(s),Stream/Creek,Tidal Wetland

Parking

  • Total spaces: 2
  • Parking features: Crushed Stone,Gravel,Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Wildfire
Cold Wave
Hurricane
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 $1,592$19,104
Home Insurance *$162$1,944
Property Taxes $307$3,684
Electricity $337$4,051
Total$2,398$28,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,217/yr
40% on housing$71,940/yr
45% on housing$63,946/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 21824$58
Somerset County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 21824
Somerset County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-09-29Listed for sale$315,000
2022-04-29Sold$125,000
2022-04-15Pending sale$125,000
2022-03-10Contingent$125,000
2022-03-10Pending sale$125,000
2022-03-06Listed for sale$125,000
2021-07-26Listing removed$125,000
2021-07-21Listed for sale$125,000
2021-06-27Pending sale$125,000
2021-02-08Listing removed--
2020-08-01Listed for sale$125,000
2017-12-02Listing removed$199,000
2017-04-20Listed for sale$199,000
2016-12-01Listing removed$229,000
2016-10-03Price change$229,000
2015-12-01Listed for sale$249,000
2014-11-20Listing removed$275,000
2013-12-14Listed for sale$275,000
2013-07-29Listing removed$259,000
2013-06-02Price change$259,000
2012-08-03Listed for sale$290,000
2005-03-31Sold$170,000
2002-11-21Sold$130,000

For Sale by Agent

AgentLaura Evans
BrokerageWilson Realty

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