Off Market May 2025 for $2.3M

$2,890,515

Est. refi paymentEst. refi $14,912/mo

•

3,732

sq ft

103 N Harbor Rd, St Michaels, MD 21663

About this home

Breathtaking views of the Miles River and Chesapeake Bay Maritime Museum. Once in a lifetime opportunity to buy a solidly built home on almost an acre, within a few short blocks of downtown historic St. Michaels. Located on the harbor and close to restaurants and shopping. This 4 bedroom home is currently undergoing renovations. The kitchen has cherry cabinets, Wolf appliances, Fisher & Payklel 2 drawer dishwasher, granite counters and new backsplash. Huge primary bedroom and bath await your finishing touches. Oak floors throughout. Three additional bedrooms with ensuite bathrooms that are ready to finish. Tile has been purchased long with 2 vanities, one of which is installed. Bathroom number 4 is almost complete. Living room has a wood burning fireplace , plenty of light and fantastic water views. Separate waterside dining room, private office and tile half bath recently completed. Expandable attic and unfinished basement that houses the mechanicals. 2 waterside decks. New HVAC, Electrical work and plumbing is in place. As the house renovations continue the asking price will increase. The current list price is for the house in current condition. Minimal work needs to be done to complete the renovation. Don't miss this great opportunity.

Single-familyProperty Type

1954Year Built

0.9 acresLot Size

$775Est. Price/Sq.Ft.

2 garage spacesParking

Listed by Barbara Watkins • Benson & Mangold, LLC

•410-822-1415 (broker)

•info@bensonandmangold.com (broker)

Bought with Cornelia C Heckenbach • Long & Foster Real Estate, Inc.

•410-745-0283 (broker)

Redfin checked: 2 minutes ago

•Source:BRIGHT MLS #MDTA2010422

Redfin Estimate

$2,890,515

$566K since sold in May 2025$131K since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 113.5% higher than the average sale price ($1.35M) of 6 comparable homes.

SOLD SEP 12, 2025
$1,210,000
A
4 beds3 baths2,535 sq ft
1026 Riverview Ter, St Michaels, MD 21663
SOLD JUL 29, 2026
$620,000
B
3 beds3 baths2,144 sq ft
24561 Deepwater Point Dr, St Michaels, MD 21663
SOLD JUN 10, 2026
$685,000
C
4 beds3.5 baths3,010 sq ft
24977 Back Creek Dr, St Michaels, MD 21663
SOLD AUG 5, 2026
$2,125,000
D
5 beds5.5 baths4,673 sq ft
203 Chew Ave E, St Michaels, MD 21663
SOLD APR 30, 2026
$785,000
E
3 beds3 baths2,439 sq ft
24822 Swan Rd, St Michaels, MD 21663
SOLD OCT 15, 2025
$2,700,000
F
3 beds2.5 baths3,393 sq ft
900 Riverview Ter, St Michaels, MD 21663

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Earn from this home

Sell

$904,515

Est. take-home

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Refinance

Est. cash available

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Rent

$4,419/mo

Redfin rental estimate

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Market trends in 21663, MD

Last updated August 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-List Price

95.8%

0.6% MoM

Median sale price

$740K

$60K MoM

Avg. days on market

57d

19 days MoM

Recently sold homes

6 MoM

New listings for sale

$1,195,000
4 beds4 baths3,528 sq ft
114 W Chestnut St, St Michaels, MD 21663
(410) 745-2596
OPEN TODAY, 4:30PM TO 6:30PM
$3,000,000
4 beds3 baths2,815 sq ft
23820 Mount Pleasant Lndg, St Michaels, MD 21663
(443) 292-6767
LISTED BY REDFIN
$795,000
4 beds3 baths2,718 sq ft
104 Cherry St, St Michaels, MD 21663
$1,250,000
3 beds3 baths2,052 sq ft
202 E Chestnut St, St Michaels, MD 21663
(410) 745-0415
COMING SOON
$2,395,000
4 beds4.5 baths4,116 sq ft
965 San Domingo, Saint Michaels, MD 21663
(410) 673-3344
COMING SOON
$949,000
4 beds2.5 baths2,168 sq ft
111 Chesapeake Ave, St Michaels, MD 21663
(410) 822-6272
See all

Provided by Redfin

Redfin agents who toured

Unfinished waterfront home with beautiful harbor views. Nice opportunity to complete this waterfront home in the heart of St. Michaels
1 year ago• May not reflect the current state of the home
Barbara McCaffrey
Redfin Premier agent

Sale history for 103 N Harbor Rd

** Price available after signing in.

Join or sign in to view all info

Year

Property tax

Land + Additions

Assessment*

2026

$21,619 (+17.3%)

2025

$18,424 (+142.5%)

2024

$7,597 (+4.1%)

$833,500 + $644,300

$1,477,800

2023

$7,298 (+3.8%)

2022

$7,030 (+1.2%)

2021

$6,950 (−0.3%)

$833,500 + $514,500

$1,348,000

2020

$6,973 (−0.4%)

$833,500 + $514,500

$1,348,000

2019

$6,998 (+2.7%)

$833,500 + $514,500

$1,348,000

2018

$6,817 (+3.9%)

2017

$6,559 (+11.9%)

2015

$5,859 (−2.1%)

$686,000 + $496,500

$1,182,500

2014

$5,983 (−4.4%)

$833,400 + $525,800

$1,359,200

2013

$6,255 (−1.5%)

2012

$6,351 (−1.8%)

2011

$6,467 (+1.9%)

2010

$6,345 (+0.3%)

2009

$6,324

Tax history for 103 N Harbor Rd

Year

Property tax

Land + Additions

Assessment*

2026

$21,619 (+17.3%)

2025

$18,424 (+142.5%)

2024

$7,597 (+4.1%)

$833,500 + $644,300

$1,477,800

2023

$7,298 (+3.8%)

2022

$7,030 (+1.2%)

2021

$6,950 (−0.3%)

$833,500 + $514,500

$1,348,000

2020

$6,973 (−0.4%)

$833,500 + $514,500

$1,348,000

2019

$6,998 (+2.7%)

$833,500 + $514,500

$1,348,000

2018

$6,817 (+3.9%)

2017

$6,559 (+11.9%)

2015

$5,859 (−2.1%)

$686,000 + $496,500

$1,182,500

2014

$5,983 (−4.4%)

$833,400 + $525,800

$1,359,200

2013

$6,255 (−1.5%)

2012

$6,351 (−1.8%)

2011

$6,467 (+1.9%)

2010

$6,345 (+0.3%)

2009

$6,324

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

—

Baths

Stories

Lot width

—

Lot depth

—

Lot size

0.9 Acres

Year renovated

—

Sq. Ft.

3,732

Year built

1954

Style

Single Family Residential

County

Talbot County

APN

02 060582

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 26, 2026.

Property details

Parking

Parking Information
# of Attached Garage Spaces: 2
Garage Features: Garage - Side Entry, Garage Door Opener
# of Total Garage and Parking Spaces: 6
Has Garage
# of Garage Spaces: 2
Driveway - # of Spaces: 4
Private
Attached Garage, Driveway

Interior

Virtual Tour

Bedroom Information
# of Bedrooms On Main Level: 4

Bathroom Information
# of Bathrooms (Half) On Main Level: 1
# of Bathrooms (Full) On Main Level: 4
# of Bathrooms (Half): 1
# of Bathrooms (Full): 4

Interior Information
Appliances: Built-In Microwave, Compactor, Cooktop, Dishwasher, Dryer - Electric, Refrigerator, Stainless Steel Appliances, Trash Compactor, Washer, Oven - Wall
Not Furnished
Interior Features: Attic, Breakfast Area, Built-Ins, Entry Level Bedroom, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Gourmet, Kitchen - Island, Master Bedroom - Bay Front, Recessed Lighting, Upgraded Countertops, Walk-in Closet(s), Wood Floors
Living Area Sq.Ft. Source: Assessor

Fireplace Information
Has Fireplace
# of Fireplaces: 1
Brick, Mantel(s), Wood

Basement Information
Basement: Yes
Interior Access, Sump Pump, Unfinished

Exterior

Property Information
Total Below Grade Sq. Ft.: 0
Accessibility Features: Other
Improvement Assessed Value: $644,300
Ownership Interest: Fee Simple
Year Built Source: Assessor
Year Major Reno/Remodel: 2025

Building Information
Construction Materials: Brick
Foundation Details: Crawl Space, Block
Other Structures: Above Grade, Below Grade
Outdoor Living Structures: Deck(s), Porch(es)
Structure Type: Detached

Exterior Information
Fencing: Picket, Partially

Lot Information
Lot Features: Landscaping, Premium, Rip-Rapped, Stream/Creek, Rear Yard
Navigable Water
Has Water View
Water Frontage In Feet: 150
Tidal Water: Yes

Land Information
Land Assessed Value: $833,500

Dock Information
Dock Type and Features: Pier
Dock/Slip Conveyance: Exclusive Use, Physical Dock/Slip Conveys
# of Boats Power: 2
# of Docks: 1
Dock/Slip Conveys: Yes

Above Grade Information
Finished Sq.Ft.: 3,732
Finished Sq.Ft. Source: Assessor

Below Grade Information
Unfinished Sq.Ft. Source: Assessor
Finished Sq.Ft. Source: Assessor

Financial

Tax Information
Agricultural Tax Due: No
City/Town Tax: $6,742
County Tax: $11,132
Tax Assessed Value: $1,477,800
Tax Year: 2024
Tax Annual Amount: $17,874

Assessments Information
Year Assessed: 2025

Utilities

Utilities Information
Central Air
Cooling Type: Central A/C, Heat Pump(s)
Cooling Fuel: Electric
Heat Pump(s)
Heating Fuel: Electric
Hot Water: Electric
Sewer Septic: Public Sewer
Water Source: Public

Location

School Information
School District Name: TALBOT COUNTY PUBLIC SCHOOLS
School District Source: Listing Agent

Location Information
In City Limits
Directions: Rt 33 to St. Michaels, right on East Chew, left on W Harbor, right onto North Harbor, house on left. Brick Pillars. Sign posted.
Location Type: River
Mean Low Water Feet: 4
Municipality: Saint Michaels
Road Responsibility: City/County
Road Surface Type: Paved

Waterfrontage Information
Water Access
Rip-Rap, Private Dock Site
On Waterfront
Water Oriented
Water Body Type: River
Water Body Name: Miles River

Public facts

Beds: —
Baths: 3.0
Sq. Ft.: 3,732
Stories: 1.0
Lot Size: 0.9 acres
Style: Single Family Residential
Year Built: 1954
Year Renovated: —
County: Talbot County
APN: 02 060582

Home facts updated by county records on Aug 26, 2026

Around this home

Schools

St. Michaels Elementary School

Public PreK-5 • Assigned • 0.3mi

8/10

St. Michaels Middle/High School

Public 6-12 • Assigned • 0.4mi

6/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

5/10 Flood Factor

Estimated 27-37% chance of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

9/10 Heat Factor

7 days above 103° expected this year, 16 days in 30 years

6/10 Wind Factor

69% chance of strong winds in next 30 years

4/10 Air Factor

5 unhealthy days expected this year, 7 days in 30 years

Provided by First Street

Historical weather

St Michaels, MD • 21663

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.3 hours in June and 4.9 hours in December, which is comparable to the U.S. average for solar exposure.

9.3 hrs

4.9 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$2.75M – $3.33M

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COMING SOON

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Home values near 103 N Harbor Rd

Data from public records.

Address	Redfin Estimate
108 North Harbor Rd, St Michaels, MD 5 Beds \| 3.5 Baths \| 2946 Sq. Ft.	$1,077,502
507 West Harbor Rd, St Michaels, MD 5 Beds \| 4.5 Baths \| 5136 Sq. Ft.	$2,034,490

Address	Redfin Estimate
105 North Harbor Rd, St Michaels, MD - Beds \| 3 Baths \| 2881 Sq. Ft.	$1,899,089
107 North Harbor Rd, St Michaels, MD - Beds \| 2 Baths \| 2754 Sq. Ft.	$1,215,252

Address	Redfin Estimate
109 North Harbor Rd, St Michaels, MD - Beds \| 3 Baths \| 3074 Sq. Ft.	$1,688,205
503 West Harbor Rd, St Michaels, MD - Beds \| 1 Baths \| 1222 Sq. Ft.	$694,316

Property information provided by BRIGHT MLS when last listed in 2025. This data may not match . Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 21663, MD

Redfin agents who toured

Sale history for 103 N Harbor Rd

Tax history for 103 N Harbor Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 21663

Home values near 103 N Harbor Rd

More real estate resources