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28276 Riverside Drive Ext, Salisbury, MD, 21801

1beds
1baths
520sqft
$198,900
$383price/sqft
$1,574/moest. monthly cost
$62,960/yrincome needed

About This Home

Who wants to live on the river without all the headaches? Nestled along the serene banks of the Wicomico River, this charming cottage-style home offers a unique blend of modern luxury and timeless comfort. With a top to bottom renovation completed in 2025, every corner of this residence has been thoughtfully designed to enhance your living experience. Step inside to discover a beautifully appointed interior featuring luxury vinyl plank flooring that exudes warmth and sophistication. The open layout seamlessly connects the living spaces, creating an inviting atmosphere perfect for both relaxation and entertaining. The heart of the home kitchen is equipped with high-end appliances including a built-in range and a single oven, ensuring that culinary adventures are always within reach. This charming one-bedroom, one-bathroom retreat is ideal for those seeking a peaceful escape. Outside, the property boasts a generous 0.2-acre lot, where you can enjoy the soothing sounds of nature and the gentle flow of the river. Views of the Wicomico River create a serene backdrop, inviting you to spend leisurely afternoons by the water's edge or to indulge in outdoor activities. With water access at your fingertips, you can explore the river's beauty, whether it's for kayaking, fishing, or simply enjoying the scenic views. The exterior of the home reflects a classic cottage aesthetic, harmonizing beautifully with its natural surroundings. The driveway provides convenient parking, ensuring that your guests feel welcomed and at ease. This property is not just a home; it's a lifestyle. Experience the tranquility of riverside living while being just moments away from local amenities and recreational opportunities. Whether you're sipping your morning coffee or hosting a gathering with friends, this residence offers a perfect blend of luxury and comfort, making it an ideal sanctuary for those who appreciate the finer things in life. Embrace the exclusive lifestyle that this remarkable property has to offer, where every day feels like a retreat.

Getting Around

2
WalkingCar-Dependent
11
TransitMinimal Transit
33
BikeSomewhat Bikeable

Schools

6/10
6/10
Bennett Middle SchoolGrades 6-91.7 mi
4/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1930

Materials

  • Foundation: Block
  • Roof: Architectural Shingle
  • Construction materials: Stick Built,Block

Notable Dates

  • Major remodel year: 2025

Type & Style

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

Interior

Appliances

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

Bathroom1

  • Level: Main

Bedroom1

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Flooring: Luxury Vinyl
  • Finished area above ground: 520

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Wall Unit(s),Electric

Interior Area

  • Total structure area: 520
  • Total interior livable area: 520 sqft

Kitchen

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2316020834
  • Zoning: C
  • Special condition: Standard

Features

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

Lot

  • Lot size: 8,712 sqft

Parking

  • Total spaces: 1
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

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

  • Hurricane
    HurricaneRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Cold Wave
Lightning
Strong Wind
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 $1,005$12,060
Home Insurance *$161$1,932
Property Taxes $127$1,524
Electricity $281$3,374
Total$1,574$18,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,965/yr
40% on housing$47,220/yr
45% on housing$41,973/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$383This listing

vs Other Active Listings

Avg $/sqft

ZIP 21801$139
Wicomico County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 21801
Wicomico County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-18Price change$199,900
2026-03-15Price change$216,900
2026-01-23Listed for sale$219,900

For Sale by Agent

AgentMs. TAMARA L SHANER
BrokerageColdwell Banker Realty

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