8478 Jane Lowe Road, Wittman MD 21676 Located just 9 miles to St. Michaels and 8 miles to Tilghman, this three-acre waterfront retreat is improved by a renovated barn/residence and detached garage workshop. The residence has a waterside front porch opening to an open-concept kitchen and living room with a wood stove and water views. A utility/mud room with closet, formal dining, full bath, and two bedrooms compliment the first floor while the second floor provides an open family-great room with a waterside side balcony, deck, full bath, laundry, large bedroom #3, and a loft on the third floor. Mini-split heating and cooling throughout the second and third floors with HVAC on the first floor and updated three-bedroom septic system from 2017. Currently licensed with the County as a vacation rental, the property has a productive rental history.
Single-familyProperty Type
1940Year Built
3 acresLot Size
$282Est. Price/Sq.Ft.
Listed by Coard Benson• Benson & Mangold, LLC
•410-770-9255 (broker)
•info@bensonandmangold.com (broker)
Bought with Robert Fitton• Meredith Fine Properties
*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
2
Lot width
—
Lot depth
—
Lot size
3 Acres
Year renovated
—
Sq. Ft.
3,120
Year built
1940
Style
Single Family Residential
County
Talbot County
APN
05 193281
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 26, 2026.
RC
Resource Conservation District
The RC District is characterized by natural environments (wetlands, forests, or abandoned fields) and resource development activities (agriculture, forestry, fisheries, or aquaculture). This district conserves the irreplaceable agricultural, forested, and natural environmental character of the County. Agricultural activities shall be preserved, encouraged and protected. Development activities are to be in the form of large lots or clustered lots outside of habitat protection areas, without public water or sewer service. Development in this district shall: Maintain and, wherever possible, improve the quality of runoff and groundwater entering the Chesapeake Bay and its tributary streams; Conserve and protect agricultural lands and uses; Protect environmentally sensitive lands and Preserve rural character through conservation of open space and agricultural lands.
Permitted uses
Include but are not limited to:
Agriculture
Greenhouse / nursery
Livestock production
Day care facility
Housing-Group
Housing-Single unit
Infrastructure
Fire house
Police station
Communications tower
Property details
Parking
Parking Information
Gravel Driveway
Off Street
Interior
Virtual Tour
Bedroom Information
# of Bedrooms On 1st Upper Level: 1
# of Bedrooms On Main Level: 2
Bathroom Information
# of Bathrooms (Full) On 1st Upper Level: 1
# of Bathrooms (Full) On Main Level: 1
# of Bathrooms (Full) On All Upper Levels: 1
# of Bathrooms (Full): 2
Interior Information
Appliances: Dryer, Oven/Range - Gas, Range Hood, Refrigerator, Washer, Dishwasher
Living Room, Dining Room, Master Bedroom, Bedroom 2, Kitchen, Family Room, Foyer, Bedroom 1, Loft, Mud Room, Bathroom 1
Laundry Type: Upper Floor
Basement Information
Basement: No
Exterior
Property Information
Federal Flood Zone
Total Below Grade Sq. Ft.: 0
Accessibility Features: 2+ Access Exits
Federal Flood Zone: X
Improvement Assessed Value: $317,800
Ownership Interest: Fee Simple
Property Condition: Good
Year Built Source: Assessor
Year Major Reno/Remodel: 2017
Building Information
# of Levels (Total): 3
Construction Materials: Block
Foundation Details: Slab
Main Entrance Orientation: Northwest
Other Structures: Above Grade, Below Grade
Outdoor Living Structures: Balcony, Deck(s), Patio(s)
Pets Allowed: Yes
Pet Restrictions: No Pet Restrictions
Roof: Asphalt
Structure Type: Detached
Window Features: Screens
Other Structures: Shed Shop
Building Not Winterized
Lot Information
Lot Features: Front Yard, Landscaping, Level, Partly Wooded, Open, Rear Yard, Road Frontage, SideYard(s), Stream/Creek
Navigable Water
Has Water View
Water Frontage In Feet: 200
Tidal Water: Yes
Land Information
Land Assessed Value: $272,400
Above Grade Information
Finished Sq.Ft.: 3,120
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
County Tax: $4,688
Tax Assessed Value: $569,133
Tax Year: 2024
Tax Annual Amount: $4,688
Assessments Information
Special Assessment Payment: Annually
Year Assessed: 2024
Lease Information
Lease Considered: No
Rental Information
Total Actual Rent: $75,000
Utilities
Utilities Information
Central Air
Cooling Type: Attic Fan, Ceiling Fan(s), Ductless/Mini-Split, Central A/C
Cooling Fuel: Electric
200+ Amp Service
Heat Pump(s)
Heating Fuel: Electric, Wood
Hot Water: Electric
Sewer Septic: Private Septic Tank
Propane, Above Ground
Water Source: Well
Location
School Information
High School: EASTON
School District Name: TALBOT COUNTY PUBLIC SCHOOLS
School District Source: Listing Agent
Location Information
Outside City Limits
Directions: MD 33 through St. Michaels to left on Pot Pie Road to right on Jane Lowe Road, the property is just past a bend in the road, with the driveway on the right.
Location Type: Creek
Mean Low Water Feet: 2
Road Responsibility: City/County
Road Surface Type: Black Top, Gravel
Waterfrontage Information
Water Access Features: Private Access
Water Access
Sandy Beach
On Waterfront
Water Oriented
Water Body Type: Creek
Water Body Name: CUMMINGS CREEK
Public facts
Beds: —
Baths: 2.0
Sq. Ft.: 3,120
Stories: 2.0
Lot Size: 3 acres
Style: Single Family Residential
Year Built: 1940
Year Renovated: —
County: Talbot County
APN: 05 193281
Home facts updated by county records on Aug 26, 2026
Other
Miscellaneous Information
Vacation Rental
Around this home
Schools
Tilghman Elementary School
Public PreK-5 • Assigned • 5.8mi
2/10
St. Michaels Middle/High School
Public 6-12 • Assigned • 3.4mi
6/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
8/10 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 104° expected this year, 16 days in 30 years
8/10 Wind Factor
80% chance of strong winds in next 30 years
5/10 Air Factor
7 unhealthy days expected this year, 9 days in 30 years
Provided by First Street
Historical weather
Wittman, MD • 21676
Average low and high temperatures (°F)
39
27
42
31
59
43
68
52
74
60
85
70
89
75
81
68
78
65
69
54
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
$837,000 – $1.01M
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