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28923 Island Creek Rd, Trappe, MD, 21673

4beds
3baths
9,206sqft
$2,300,000
$250price/sqft
$16,249/moest. monthly cost
$649,960/yrincome needed

About This Home

"New Scotland Farm" First time offered in decades! This special and unique offering includes 100 +/- acres of prime farm and hunting land, encompassing a spacious farmhouse and three additional income producing properties, two ponds, and deeded water access with a dock and slip on LaTrappe Creek. There is the potential for subdivision of 4 lots outside the of the critical area. (buyer to verify) This offering consists of three parcels: Parcel #1 Main House with Rental Properties 21.34 +/- acres improved by a 5BR farmhouse (which includes a separately rented apartment above the garage), two guest cottages that are income producing, and two scenic ponds, one that can be hunted year round. A newly refurbished tennis court and pavilion overlook the second pond. The main house, a Victorian style farmhouse, has a brand new roof , geothermal units and outdoor deck. There is a historic section of the home and an addition built in the 1990’s. The main house also features a separate apartment above the garage for income potential, or ideal for a caretaker. Beautiful setting with mature trees, complete privacy and lovely vistas from several vantage points. Parcel #2 Land 83+/- acres (65 in till) in agriculture. Farm tenant in place. Community Boat Slip (25% interest) 1.424 +/- acres Deeded boat slip and water access on LaTrappe Creek via shared pier with 3 other homes. This is a unique property with an endless potential of uses, from a hunting retreat, private getaway, investment or combination of all.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

9/10
4/10
Easton Middle SchoolGrades 6-87.4 mi
5/10
Easton High SchoolGrades 9-126.9 mi

Construction

Condition

  • Year built: 1920

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Combination

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1

Features

  • Number of fireplaces: 3
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 9,206

Heating & Cooling

  • Heating features: Other,Electric,Central
  • Cooling features: Geothermal,Electric

Interior Area

  • Total structure area: 9,206
  • Total interior livable area: 9,206 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2103119262
  • Zoning: MIXED
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Tennis Court(s)
  • Has view: Yes
  • View description: Pond,Trees/Woods
  • Has water view: Yes
  • Water view: Pond
  • Waterfront features: River

Lot

  • Lot size: 105.19 Acres
  • Features: Pond

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Rear,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 FloodingRelatively High
  • Drought
    DroughtRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Drought
Heat Wave
Lightning
Strong Wind
Winter Weather
Cold Wave
Hurricane
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 $11,630$139,560
Home Insurance *$1,356$16,272
Property Taxes $2,091$25,092
Electricity $1,172$14,074
Total$16,249$194,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$557,108/yr
40% on housing$487,470/yr
45% on housing$433,306/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 21673$346
Talbot County$391

vs Homes Sold Last Month

Median $/sqft

ZIP 21673$171
Talbot County$254

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
2026-07-16Price change$2,300,000
2026-03-26Listed for sale$2,675,000
2026-01-23Listing removed$2,777,000
2025-09-25Listed for sale$2,777,000

For Sale by Agent

AgentDebbie Mangold Lipscomb
BrokerageBenson & Mangold, LLC

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