Location, location, location. Rio Vista waterfront - conventent to downtown St. Michaels. This lovely home is much larger than it looks. over 1900 square feet of living space. gorgeous views of Spencer Creek, . Home features screened in porch and deck with built in small spa/pool, excellent pier, 1 car garage, shed for storage, hardwood floors, fireplace, great room with cathedral ceilings on the waterside. over 200 feet of waterfront. This home has been lovingly maintained and cared for. Rio Vista has covenants and restrictions which can be found at on the community web site. I am not allowed to publish the link here but it is easily found by searching for Rio Vista, St. Michaels, MD. There is also a lot of good local info on that web page.
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
—
Baths
2
Stories
1
Lot width
—
Lot depth
—
Lot size
0.73 Acres
Year renovated
—
Sq. Ft.
1,901
Year built
1958
Style
Single Family Residential
County
Talbot County
APN
02 084007
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 26, 2026.
TR
Town Residential District
The TR District is characterized by existing moderate-intensity residential uses. This district recognizes existing residential neighborhoods near incorporated towns, and allows compatible infill development while preserving existing natural habitat wherever possible. Public water and sewer service should be provided. Development in this district shall: Maintain and, whenever possible, improve the quality of runoff and groundwater entering the Chesapeake Bay and its tributary streams; Accommodate additional residential development, provided that water quality is not impaired; Conserve and enhance fish, wildlife, and plant habitats to the extent possible and Encourage retrofitting to address existing stormwater management problems.
Interior Features: Carpet, CeilngFan(s), Dining Area, Family Room Off Kitchen, Floor Plan - Open, Floor Plan - Traditional, Wood Floors
Living Area Sq.Ft. Source: Assessor
Fireplace Information
Has Fireplace
# of Fireplaces: 1
Basement Information
Basement: No
Exterior
Property Information
Federal Flood Zone
Total Below Grade Sq. Ft.: 0
Federal Flood Zone: X and AE
Improvement Assessed Value: $226,500
Ownership Interest: Fee Simple
Year Built Source: Assessor
Building Information
Construction Materials: Brick, Vinyl Siding
Other Structures: Above Grade, Below Grade
Structure Type: Detached
Exterior Information
Outbuilding(s), Fire Escape
Pool Information
Personal Pool
Lot Information
Lot Size Dimensions: 100.00 x
Lot Dimensions Source: Assessor
Navigable Water
Has Water View
Water Frontage In Feet: 220
Tidal Water: Yes
Land Information
Land Assessed Value: $427,700
Dock Information
Dock Type and Features: Private
Dock/Slip Conveyance: Physical Dock/Slip Conveys
# of Docks: 1
Dock/Slip Conveys: Yes
Above Grade Information
Finished Sq.Ft.: 1,901
Finished Sq.Ft. Source: Assessor
Below Grade Information
Unfinished Sq.Ft. Source: Assessor
Finished Sq.Ft. Source: Assessor
Financial
Tax Information
County Tax: $4,643
Tax Assessed Value: $637,000
Tax Year: 2021
Tax Annual Amount: $4,643
Assessments Information
Year Assessed: 2021
Lease Information
Lease Considered: No
Utilities
Utilities Information
Central Air
Cooling Type: Central A/C
Cooling Fuel: Electric
Central
Heating Fuel: Propane - Leased
Hot Water: Propane
Sewer Septic: Public Sewer
Water Source: Public
Location
Homeowners Association Information
HOA Fee: $50
HOA Fee Frequency: Annually
School Information
School District Name: TALBOT COUNTY PUBLIC SCHOOLS
School District Source: Listing Agent
Location Information
Outside City Limits
Directions: Rt. 33/ St. Michaels Road towards St. Michaels, right onto Lincoln Ave (Rio Vista) to end, right on Riverview Terrace, left on Cove Road, first house on right, corner of Tenant and Cove
Waterfrontage Information
Water Access
Boat/Launch Ramp, Private Dock Site
On Waterfront
Water Oriented
Water Body Type: Cove
Water Body Name: Spencer Creek
Public facts
Beds: —
Baths: 2.0
Sq. Ft.: 1,901
Stories: 1.0
Lot Size: 0.73 acres
Style: Single Family Residential
Year Built: 1958
Year Renovated: —
County: Talbot County
APN: 02 084007
Home facts updated by county records on Aug 26, 2026
Other
Listing Information
Automatically Close on Close Date
Around this home
Schools
St. Michaels Elementary School
Public PreK-5 • Assigned • 0.8mi
8/10
St. Michaels Middle/High School
Public 6-12 • Assigned • 0.8mi
6/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
9/10 Flood Factor
Estimated 80%+ 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
7/10 Wind Factor
79% 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)
39
27
43
31
60
43
69
51
74
60
85
69
89
74
81
67
78
65
69
53
58
45
45
33
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
$1.14M – $1.38M
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