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9745 Tilghman Island Rd, McDaniel, MD, 21647

3beds
2baths
1,496sqft
$295,000
$197price/sqft
$2,070/moest. monthly cost
$82,800/yrincome needed

About This Home

Mc Daniel Rancher - This 3 Bedroom and 2 Bathroom rancher in the community of Mc Daniel, is conveniently located approximately 5 miles to St. Michaels. Close to half an acre of land, this property offers plenty of space for gardening and relaxing or grilling on the back deck. Just over 1400 square feet of living space, the dining room opens to the living room creating a generous space for gathering or entertaining. Newer vinyl plank flooring in bedrooms, living and dining rooms. Being sold "as is" condition.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
5/10

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Block,Stick Built,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range - Electric,Electric Water Heater

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bedroom1

  • Features: Flooring - Luxury Vinyl Plank,Attached Bathroom
  • Level: Main

Bedroom2

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main

Bedroom3

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main

Features

  • Flooring: Laminate,Luxury Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,496

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Heat Pump,Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,496
  • Total interior livable area: 1,496 sqft

Kitchen

  • Features: Double Sink,Flooring - Laminated
  • Level: Main

Living Room

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2105189470
  • Zoning: RESIDENTIAL
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck

Lot

  • Lot size: 0.47 Acres

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 FloodingRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Drought
Hurricane
Heat Wave
Lightning
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 $1,491$17,892
Home Insurance *$60$720
Property Taxes $238$2,856
Electricity $281$3,374
Total$2,070$24,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,971/yr
40% on housing$62,100/yr
45% on housing$55,200/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

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 21647
Talbot County$392

vs Homes Sold Last Month

Median $/sqft

ZIP 21647$371
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)

Price History

DateEventPrice
2026-08-03Listed for sale$295,000
2019-01-15Listing removed$129,900
2018-09-04Price change$129,900
2018-08-16Price change$145,000
2018-08-13Price change$139,000
2018-06-13Price change$145,000
2018-04-25Listed for sale$169,900
2001-05-17Sold$425,000

For Sale by Agent

AgentMarla Baines
BrokerageMeredith Fine Properties

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