For sale

$459,900

104 Madison Ave, Saint Michaels, MD 21663

4beds

2,420sqft

$2,984/mo

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Single Family Residence

Built in 1986

0.35 Acres Lot

$-- Zestimate^®

$190/sqft

$8/mo HOA

What's special

Two spacious units

This well-maintained duplex in Rio Vista presents an exceptional investment opportunity, featuring two spacious units, each offering 2 bedrooms and 1.5 baths. Ideally situated just moments from the heart of historic downtown St. Michaels, residents enjoy easy access to charming shops, dining, and waterfront attractions—all while benefiting from no town taxes. With both units currently 100% leased, this property provides immediate, reliable income, making it a smart addition to any investment portfolio.

1 day

155

8

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 4
Full bathrooms: 2
1/2 bathrooms: 2
Main level bathrooms: 4
Main level bedrooms: 4

Basement

Area: 0

Heating

Heat Pump, Electric

Cooling

Central Air, Ceiling Fan(s), Electric

Appliances

Included: Dishwasher, Disposal, Dryer, Oven/Range - Electric, Refrigerator, Washer, Water Heater, Electric Water Heater
Laundry: Main Level

Features

Combination Dining/Living, Entry Level Bedroom, Floor Plan - Traditional, Kitchen - Galley
Windows: Skylight(s)
Has basement: No
Has fireplace: No

Interior area

Total structure area: 2,420
Total interior livable area: 2,420 sqft
Finished area above ground: 2,420
Finished area below ground: 0

Property

Parking

Total spaces: 4
Parking features: Off Street

Accessibility

Accessibility features: Accessible Entrance

Features

Levels: One
Stories: 1
Pool features: None
Waterfront features: River
Body of water: Miles River

Lot

Size: 0.35 Acres

Details

Additional structures: Above Grade, Below Grade
Parcel number: 2102105713
Zoning: RESIDENTIAL
Special conditions: Standard

Construction

Type & style

Home type: SingleFamily
Architectural style: Ranch/Rambler
Property subtype: Single Family Residence
Attached to another structure: Yes

Materials

Vinyl Siding
Foundation: Slab

Condition

New construction: No
Year built: 1986

Utilities & green energy

Sewer: Public Sewer
Water: Public

Community & HOA

Community

Subdivision: Rio Vista

HOA

Has HOA: Yes
Amenities included: Boat Dock/Slip, Picnic Area, Water/Lake Privileges
HOA fee: $8 monthly
HOA name: RIO VISTA

Location

Region: Saint Michaels

Financial & listing details

Price per square foot: $190/sqft
Tax assessed value: $334,033
Annual tax amount: $3,033
Date on market: 7/23/2026
Listing agreement: Exclusive Right To Sell
Ownership: Fee Simple

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
7/23/2026	Listed for sale	$459,900$190/sqft
Source: Bright MLS #MDTA2014616 Report a problem

Public tax history

Tax history is unavailable.

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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