Welcome to this beautifully maintained 3-bedroom, 2-bathroom rancher in the sought-after waterfront community of Tower Gardens. This move-in ready home offers comfort, efficiency, and exceptional amenities both inside and out. The spacious floor plan features a freshly painted interior and brand-new carpet in the bedrooms. The open living areas flow seamlessly, making it perfect for everyday living and entertaining. An extremely efficient geothermal heating and cooling system, along with an encapsulated crawlspace, ensures year-round comfort and low energy bills. An attached two-car garage and a large custom workshop provide plenty of storage and space for hobbies or projects. Or turn the workshop into a home gym or finish it off for additional living space! The possibilities are endless! The attic space above the garage also provides plenty of storage space which allows the garage space to stay open for your vehicles or boat! The exterior is equally impressive. Enjoy outdoor living on the low-maintenance composite deck while overlooking the fully fenced backyard—ideal for gatherings, pets, and play. Living in Tower Gardens means more than just a home—it’s a lifestyle. Residents enjoy a community recreation lot with a baseball field and playground, as well as a separate waterfront lot featuring a pier and boat ramp, just a short walk from your doorstep. Launch your boat, fish or crab from the pier, or take in stunning sunsets over the water at your leisure. With features like geothermal heating and cooling, a propane generator, a fully fenced backyard, water conditioning system, attic storage, composite deck, and a spacious custom workshop, this home offers an array of upgrades rarely found in today’s new construction. Why wait for a build—and pay a premium for every extra—when you can enjoy all of these valuable improvements now, in a home that’s ready for you today? With its combination of thoughtful updates, spacious workshop, efficient systems, and meticulous maintenance, this property offers a rare opportunity to enjoy both comfort and convenience in a water-oriented neighborhood. Schedule your showing today and discover why this home is the perfect blend of coastal charm and everyday practicality.
Sold for $540,000
$540,000
109 Calvert Rd, Stevensville, MD 21666
3beds
1,617sqft
Single Family Residence
Built in 1986
0.35 Acres Lot
$561,600 Zestimate®
$334/sqft
$2,778 Estimated rent
Home value
$561,600
$477,000 - $663,000
$2,778/mo
Zestimate® history
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$3,473/mo
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List your homeWhat's special
Low-maintenance composite deckFreshly painted interiorFully fenced backyardPier and boat rampEncapsulated crawlspace
Zillow last checked:
Listing updated:
Listed by:
David Dauses 443-994-4180,
Coldwell Banker Waterman Realty
Bought with:
Wendy Oliver, 17673
Coldwell Banker Realty
Source: Bright MLS,MLS#: MDQA2014818
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Rooms
- Room types: Dining Room, Bedroom 2, Bedroom 3, Kitchen, Family Room, Bedroom 1, Laundry, Workshop, Bathroom 1, Bathroom 2
Bedroom 1
- Level: Main
Bedroom 2
- Level: Main
Bedroom 3
- Level: Main
Bathroom 1
- Level: Main
Bathroom 2
- Level: Main
Dining room
- Level: Main
Family room
- Level: Main
Kitchen
- Level: Main
Laundry
- Level: Main
Workshop
- Level: Main
Heating
- Central, Geothermal
Cooling
- Central Air, Geothermal, Electric
Appliances
- Included: Electric Water Heater, Water Heater
- Laundry: Main Level, Washer In Unit, Dryer In Unit, Laundry Room
Features
- Has basement: No
- Has fireplace: No
Interior area
- Total structure area: 1,617
- Total interior livable area: 1,617 sqft
- Finished area above ground: 1,617
- Finished area below ground: 0
Property
Parking
- Total spaces: 6
- Parking features: Storage, Built In, Covered, Garage Faces Front, Garage Door Opener, Inside Entrance, Oversized, Asphalt, Attached, Driveway, Off Street, On Street
- Attached garage spaces: 2
- Uncovered spaces: 4
- Details: Garage Sqft: 1052
Accessibility
- Accessibility features: Other
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck, Porch
- Exterior features: Flood Lights, Storage, Other
- Pool features: None
- Fencing: Vinyl,Privacy
- Waterfront features: Fishing Allowed, River
- Body of water: Chesapeake Bay
Lot
- Size: 0.35 Acres
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1804094948
- Zoning: NC-1
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch/Rambler
- Property subtype: Single Family Residence
Materials
- Combination
- Foundation: Block, Crawl Space
- Roof: Architectural Shingle,Asphalt
Condition
- Excellent
- New construction: No
- Year built: 1986
- Major remodel year: 2002
Utilities & green energy
- Sewer: Public Sewer
- Water: Private, Well
- Utilities for property: Cable Connected, Propane, Electricity Available, Broadband
Green energy
- Energy efficient items: HVAC
Community & HOA
Community
- Subdivision: Tower Gardens
HOA
- Has HOA: Yes
- Amenities included: Baseball Field, Boat Ramp, Common Grounds, Pier/Dock, Tot Lots/Playground, Water/Lake Privileges
- Services included: Pier/Dock Maintenance, Recreation Facility
- HOA fee: $150 annually
- HOA name: TOWER GARDENS ON THE BAY
Location
- Region: Stevensville
Financial & listing details
- Price per square foot: $334/sqft
- Tax assessed value: $407,400
- Annual tax amount: $3,546
- Date on market: 9/9/2025
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Price history
| Date | Event | Price |
|---|---|---|
| 10/23/2025 | Sold | $540,000+0.5%$334/sqft |
Source:  Bright MLS #MDQA2014818 Report a problem | ||
| 9/16/2025 | Pending sale | $537,500$332/sqft |
Source: Bright MLS #MDQA2014818 Report a problem | ||
| 9/9/2025 | Listed for sale | $537,500+156%$332/sqft |
Source: Bright MLS #MDQA2014818 Report a problem | ||
| 11/2/2011 | Sold | $210,000-6.6%$130/sqft |
Source: Public Record Report a problem | ||
| 9/1/2011 | Listed for sale | $224,900$139/sqft |
Source: Home Selling Assistance Plus, LLC Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $3,838 +8.2% | $407,400 +8.2% |
| 2024 | $3,546 +9% | $376,400 +9% |
| 2023 | $3,254 +1.5% | $345,400 |
| 2022 | $3,206 -0.3% | $345,400 +3% |
| 2021 | $3,216 +1.5% | $335,267 +1.5% |
| 2020 | $3,167 +7.4% | $330,200 |
| 2019 | $2,950 +7.9% | $330,200 +15.9% |
| 2018 | $2,733 +6.1% | $284,933 +8.6% |
| 2017 | $2,575 +20.4% | $262,300 +3.2% |
| 2016 | $2,138 | $254,100 +3.3% |
| 2015 | $2,138 | $245,900 +3.4% |
| 2014 | $2,138 | $237,700 |
| 2013 | -- | $237,700 |
| 2012 | -- | $237,700 -24.8% |
| 2011 | -- | $316,130 +3.9% |
| 2010 | -- | $304,132 +4.1% |
| 2009 | -- | $292,136 +4.3% |
| 2008 | -- | $280,140 +15.9% |
| 2007 | -- | $241,686 +18.9% |
| 2006 | -- | $203,233 +23.3% |
| 2005 | -- | $164,780 +6.4% |
| 2004 | -- | $154,882 +6.8% |
| 2003 | -- | $144,986 +7.3% |
| 2002 | -- | $135,090 +4.3% |
| 2001 | -- | $129,562 |
Find assessor info on the county website
Neighborhood: 21666
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Nearby schools
GreatSchools rating
- 9/10Matapeake Elementary SchoolGrades: PK-5Distance: 6.2 mi
- 7/10Matapeake Middle SchoolGrades: 6-8Distance: 6.1 mi
- 5/10Kent Island High SchoolGrades: 9-12Distance: 8.5 mi
Schools provided by the listing agent
- District: Queen Anne's County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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Estimated market value
$561,600
Get a cash offer in 3 minutes
Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$561,600
- Maryland
- Queen Annes County
- Stevensville
- 21666
- 109 Calvert Rd
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