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8805 Cummings Rd, Wittman, MD, 21676

2beds
2baths
1,364sqft
$375,000
$275price/sqft
$2,598/moest. monthly cost
$103,920/yrincome needed

About This Home

Located in the waterfront village of Wittman, close to the public landing and county park, this beautifully crafted two-story cottage blends charm and character with thoughtful design. The home features 2 bedrooms, 1.5 baths, multiple living areas and 2 office spaces . Open beams, wood floors, and architectural details create a warm, inviting atmosphere throughout. Meticulous renovations by a master carpenter include elevating the home, new foundation and accessible crawl space. This unique property offers a perfect blend of craftsmanship and Chesapeake lifestyle. Enjoy the nearby amenities of St. Michaels, Tilghman Island and Easton - restaurants, shops, museums, galleries and more. If you're searching for an escape - this just might be it!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
5/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1900

Materials

  • Foundation: Crawl Space
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Washer,Oven/Range - Electric,Electric Water Heater
  • Laundry features: Has Laundry,Main Level,Laundry Room

Bedroom1

  • Features: Flooring - Wood
  • Level: Upper
  • Area: 150
  • Dimensions: 10 X 15

Bedroom2

  • Features: Flooring - Wood
  • Level: Upper
  • Area: 135
  • Dimensions: 9 X 15

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Features: Flooring - Wood
  • Level: Main
  • Area: 135
  • Dimensions: 9 X 15

Family Room

  • Features: Flooring - Wood
  • Level: Main
  • Area: 204
  • Dimensions: 12 X 17

Features

  • Bathroom - Tub Shower,Upgraded Countertops
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,364

Half Bath

  • Level: Main
  • Area: 42
  • Dimensions: 6 X 7

Heating & Cooling

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

Interior Area

  • Total structure area: 1,364
  • Total interior livable area: 1,364 sqft

Kitchen

  • Features: Flooring - Wood
  • Level: Main
  • Area: 136
  • Dimensions: 8 X 17

Laundry

  • Level: Main

Living Room

  • Features: Flooring - Wood
  • Level: Main
  • Area: 240
  • Dimensions: 15 X 16

Office

  • Features: Flooring - Wood
  • Level: Upper
  • Area: 60
  • Dimensions: 6 X 10

Other

  • Level: Upper
  • Area: 64
  • Dimensions: 8 X 8

Screened Porch

  • Level: Main
  • Area: 54
  • Dimensions: 6 X 9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2105178843
  • Zoning: VILLAGE
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch,Screened,Screened Porch

Lot

  • Lot size: 0.28 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 $1,896$22,752
Home Insurance *$120$1,440
Property Taxes $301$3,612
Electricity $281$3,374
Total$2,598$31,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,074/yr
40% on housing$77,940/yr
45% on housing$69,280/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

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 21676$1,053
Talbot County$392

vs Homes Sold Last Month

Median $/sqft

ZIP 21676$479
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
2025-11-14Listed for sale$385,000
2014-05-09Sold$194,000
2014-04-25Pending sale$209,900
2014-01-11Listed for sale$209,900
2013-12-04Listing removed$209,900
2013-10-30Listed for sale$209,900
2013-10-23Pending sale$209,900
2013-09-12Listed for sale$209,900
2012-10-02Listing removed$209,900
2012-04-28Price change$209,900
2012-04-23Price change$290,900
2012-04-05Price change$209,900
2012-03-24Price change$290,900
2012-03-23Price change$209,900
2012-02-20Listed for sale$225,000
2010-07-24Listing removed$299,500
2010-06-09Listed for sale$299,500
2006-08-28Sold$282,500
2002-06-27Sold$62,500

For Sale by Agent

AgentWink Cowee
BrokerageBenson & Mangold, LLC

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