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20805 Severn Rd, Ewell, MD, 21824

2beds
1baths
924sqft
$129,000
$140price/sqft
$1,170/moest. monthly cost
$46,800/yrincome needed

About This Home

Welcome to your cozy little island cottage! This two bedroom, one bath, fully renovated bungalow is move-in ready and easily accessible. Tucked away at the end of the street on a quiet corner lot, the property is surrounded by beautiful shrubbery and shady trees. Featuring an open concept design and wood flooring throughout, this gem of a home is tastefully decorated with many desirable features. Each room has pocket doors and there’s an inviting feel to the space. All appliances and most furnishings are included in the sale. This property currently operates as a vacation rental and has some bookings already secured. Comfy, cozy, clean, neat and tidy best describe it. Come check out this storybook listing on Smith Island, Maryland.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

--
Ewell SchoolGrades 3,70.1 mi
4/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 1978

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Bathroom1

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Family Room

  • Level: Main

Features

  • Combination Kitchen/Dining,Entry Level Bedroom,Open Floorplan,Kitchen Island,Family Room Off Kitchen,Recessed Lighting,Bathroom - Stall Shower,Dry Wall,Low Ceilings
  • Window features: Bay/Bow,Casement,Double Hung,Vinyl Clad,Window Treatments
  • Flooring: Hardwood,Wood
  • Finished area below ground: 0
  • Finished area above ground: 924

Heating & Cooling

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

Interior Area

  • Total structure area: 924
  • Total interior livable area: 924 sqft

Kitchen

  • Level: Main

Property

Accessibility

  • Accessibility features: 2+ Access Exits,Accessible Doors,Grip-Accessible Features,Accessible Entrance,Mobility Improvements,Accessible Approach with Ramp,Roll-in Shower,Roll-under Vanity

Details

  • Parcel number: 2010001412
  • Zoning: MRC
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Street Lights
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 8,712 sqft
  • Features: Backs to Trees,Corner Lot,Landscaped,Private,Rear Yard,SideYard(s),Corner Lot/Unit
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: Shared Driveway,On Street
  • 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 FloodingVery High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Wildfire
Cold Wave
Hurricane
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 $652$7,824
Home Insurance *$162$1,944
Property Taxes $75$900
Electricity $281$3,374
Total$1,170$14,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,114/yr
40% on housing$35,100/yr
45% on housing$31,200/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 21824$119
Somerset County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 21824
Somerset County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-22Listed for sale$129,000
2023-11-22Sold$119,000
2023-11-04Pending sale$117,000
2023-10-13Listed for sale$117,000
2021-06-21Sold$80,000
2020-10-01Sold$80,000
2020-09-29Pending sale$80,000
2020-09-29Listed for sale$80,000
2020-07-27Listing removed$80,000
2020-06-17Listed for sale$80,000
2006-04-19Sold$10,725

For Sale by Agent

AgentLaura Evans
BrokerageWilson Realty

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