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10116 Deal Island Rd, Deal Island, MD, 21821

2beds
1baths
1,096sqft
$189,000
$172price/sqft
$1,591/moest. monthly cost
$63,640/yrincome needed

About This Home

Escape to the charm of Eastern Shore Living with this charming cottage style home located in the heart of Deal Island, Maryland. Enjoy fishing, boating and crabbing the waters of the Chesapeake Bay. This home offers an ideal retreat for weekend getaways or relaxed year-round living. The home offers two bedrooms and one bathroom as well as updated appliances. The extra-large attic has been framed for additional rooms or organized storage. All furniture is included. The home is not far from the public boat ramps or the public beach. Somerset County rents boat slips. Check with the County for more information. This Eastern Shore Maryland escape offers the perfect opportunity to enjoy everything the Eastern Shore lifestyle has to offer.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

6/10
Deal Island SchoolGrades PK-50.3 mi

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Block
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,096

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 1,096
  • Total interior livable area: 1,096 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2014004726
  • Zoning: MRC
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 0.30 Acres
  • Lot size dimensions: 0.00 x 0.00

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

  • 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 $955$11,460
Home Insurance *$154$1,848
Property Taxes $201$2,412
Electricity $281$3,374
Total$1,591$19,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,548/yr
40% on housing$47,730/yr
45% on housing$42,426/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

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 21821$118
Somerset County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 21821
Somerset County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-18Listed for sale$225,000
2024-03-07Sold$85,000
2008-11-06Sold$62,000
2008-06-24Listing removed$78,900
2008-05-26Price change$78,900
2008-05-01Price change$83,900
2008-03-30Price change$89,900
2008-02-28Listed for sale$94,900
2008-02-15Sold$11,974
2004-05-20Sold$60,500

For Sale by Agent

AgentChrystianna Wilkins-Gosnell
BrokerageKeller Williams Realty

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