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228 Perry Cabin Dr #228/226, Saint Michaels, MD, 21663

6beds
6baths
4,089sqft
$1,945,000
$476price/sqft
$11,897/moest. monthly cost
$475,880/yrincome needed

About This Home

Check out the NEW aerial photos! An exceptional opportunity in The Homes at Perry Cabin -- a rare double residence offering approximately 4,000 square feet, six bedrooms, and six full baths in a premier Saint Michaels waterfront community. adjacent to the renowned Inn at Perry Cabin and overlooking Fogg Cove just off the Miles River. This turnkey home features expansive living areas and a chef-inspired gourmet kitchen designed for elevated entertaining and showcases premium appliances, including a 60-inch extra-large refrigerator/freezer, Wolf propane cooktop, and integrated refrigerated and freezer beverage drawers thoughtfully integrated into the cabinetry. The first-floor primary suite provides effortless main-level living with a private enclosed porch and spa-like bath retreat. This combined property conveys two deep-water boat slips (6' MLW) with water and electricity, each able to accommodate a 40-foot vessel. Community amenities include kayak launch; tennis courts lined for pickleball and a private beach. A fully owned solar energy system with integrated backup battery storage provides exceptional energy efficiency and resilience adding approximately $2,000/year offset to electricity bills as well as solar income. Just a short walk or boat ride to the shops and restaurants of historic Saint Michaels, and an easy drive to Easton, Annapolis, Washington, DC, and Philadelphia. Don't miss this rare offering in one of the Chesapeake Bay's premier boating destinations. Professional photography and media forthcoming.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1984

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: Brick

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Double Oven,Refrigerator,Extra Refrigerator/Freezer,Microwave,Washer,Dryer,Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 6
  • Full bathrooms: 6
  • Main level bathrooms: 6
  • Main level bedrooms: 6

Features

  • Open Floorplan,Kitchen - Gourmet,Primary Bedroom - Bay Front,Sound System
  • Window features: Window Treatments
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,089

Heating & Cooling

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

Interior Area

  • Total structure area: 4,089
  • Total interior livable area: 4,089 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2102107074
  • Zoning: 0
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Sandy Beach,River
  • Waterbody name: Fogg Cove / Miles River
  • Frontage length: Water Frontage Ft: 60

Lot

  • Lot size: 5,625 sqft

Parking

  • Parking features: Parking Lot

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
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Heat Wave
Lightning
Cold Wave
Hurricane
Strong Wind
Wildfire
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 $9,834$118,008
Home Insurance *$636$7,632
Property Taxes $907$10,884
Electricity $520$6,251
Total$11,897$142,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$407,897/yr
40% on housing$356,910/yr
45% on housing$317,253/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

$476This listing

vs Other Active Listings

Avg $/sqft

ZIP 21663$439
Talbot County$388

vs Homes Sold Last Month

Median $/sqft

ZIP 21663$389
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
2026-02-27Listed for sale$1,995,000

For Sale by Agent

AgentMo McHugh
BrokerageChesapeake Bay Real Estate Plus, LLC

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