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6670 Tilghman Island Rd, Sherwood, MD, 21665

3beds
3baths
3,853sqft
$1,099,000
$285price/sqft
$8,072/moest. monthly cost
$322,880/yrincome needed

About This Home

Reduced Price! Amazing opportunity to be on the water in Talbot County. Waterfront home situated on Back Creek in Sherwood. Conveniently located near St Michaels and Tilghman Island, the property includes views of sunsets over Poplar Island and is located minutes from restaurants, and shopping. Interior features include hickory hardwood floors, custom built-ins, crown molding, and recessed lighting. The kitchen is equipped with stainless steel appliances, a built-in pantry, and granite countertops. The open floor plan incorporates a gas fireplace and a formal dining room. The primary suite has a walk-in shower, soaking tub, and walk-in closet. An attached three-car garage provides additional space with an upstairs bonus game/theatre room. The backyard is built for fun with a swimming pool, an outdoor kitchen with bar area, gas fire features, a hot tub, and a pool house for storage. The property also includes a 30x30 pole building with concrete floors, as well as a dock. New septic installed in 2025!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
5/10

Construction

Condition

  • Year built: 2001

Materials

  • Foundation: Crawl Space
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Room

Bedroom2

  • Level: Upper
  • Area: 323
  • Dimensions: 17 X 19

Bedroom3

  • Level: Upper
  • Area: 195
  • Dimensions: 13 X 15

Bedrooms & Bathrooms

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

Breakfast Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 169
  • Dimensions: 13 X 13

Dining Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 247
  • Dimensions: 13 X 19

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,853

Foyer

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 98
  • Dimensions: 14 X 7

Heating & Cooling

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

Interior Area

  • Total structure area: 3,853
  • Total interior livable area: 3,853 sqft

Kitchen

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 247
  • Dimensions: 13 X 19

Laundry

  • Level: Main
  • Area: 72
  • Dimensions: 9 X 8

Living Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 513
  • Dimensions: 27 X 19

Office

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 112
  • Dimensions: 14 X 8

Office

  • Level: Upper
  • Area: 126
  • Dimensions: 18 X 7

Primary Bathroom

  • Level: Upper
  • Area: 266
  • Dimensions: 14 X 19

Primary Bedroom

  • Level: Upper
  • Area: 361
  • Dimensions: 19 X 19

Recreation Room

  • Level: Upper
  • Area: 912
  • Dimensions: 24 X 38

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2105189772
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Private
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Canoe/Kayak,Bay
  • Waterbody name: Back Creek
  • Frontage length: Water Frontage Ft: 160

Lot

  • Lot size: 3.40 Acres

Parking

  • Total spaces: 8
  • Parking features: Garage Faces Side,Gravel,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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 $5,557$66,684
Home Insurance *$1,109$13,308
Property Taxes $916$10,992
Electricity $490$5,890
Total$8,072$96,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$276,754/yr
40% on housing$242,160/yr
45% on housing$215,253/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

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 21665
Talbot County$390

vs Homes Sold Last Month

Median $/sqft

ZIP 21665$110
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
2026-05-13Price change$1,099,000
2026-03-10Price change$1,199,000
2025-09-10Price change$1,299,000
2025-08-13Listed for sale$1,399,000
2023-06-05Listing removed--
2021-06-04Sold$1,169,403
2021-04-21Pending sale$1,395,000
2021-04-07Price change$1,395,000
2021-03-26Price change$1,495,000
2021-03-15Price change$1,545,000
2021-02-24Listed for sale$1,595,000
2021-02-08Listing removed--
2020-12-23Listed for sale$1,595,000
1998-09-25Sold$42,000

For Sale by Agent

AgentLarry Brennan
BrokerageTTR Sotheby's International Realty

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