Direct waterfront 55+ living on the Tred Avon River in Easton, Talbot County — the Eastern Shore's most scenic active adult setting, with the market's lowest property tax rate and a price point to match the setting.
Londonderry on the Tred Avon is the only community in this market with direct waterfront access at the community level — homes site along or adjacent to the Tred Avon River, one of the Eastern Shore's most celebrated tidal rivers. Residents have direct water access for kayaking, paddleboarding, and boating, with walking trails that wind along the riverbank.
With approximately 80 homes, Londonderry is the smallest 55+ community in this market — and the most intimate. The small scale creates a genuinely neighborly atmosphere, but also means limited internal programming; residents supplement with Easton's cultural calendar, the Talbot County Yacht Club, and the broader St. Michaels/Oxford boating community.
Price range: $600,000–$1.2M+. River-facing lots command significant premiums over interior homes. This is the market's luxury price point — buyers come here for the setting specifically, not for amenity depth.
Even at a $900,000 price point, Talbot County's ~0.76% effective rate generates an annual tax bill of approximately $6,840 — meaningfully lower than what the same home would cost in Anne Arundel County (~$9,810). For luxury buyers, the Talbot County advantage is most pronounced at the top of the price range, where absolute dollar savings are largest. The 10-year cumulative savings at $900K between Talbot and Anne Arundel exceeds $29,000 in taxes alone.
| Home Price | Annual Tax (~0.76%) | Monthly Tax | Est. HOA/mo | Total Monthly Fixed |
|---|---|---|---|---|
| $$650,000 | ~$4,940 | ~$412 | ~$275 | ~$687 |
| $$800,000 | ~$6,080 | ~$507 | ~$275 | ~$782 |
| $$950,000 | ~$7,220 | ~$602 | ~$275 | ~$877 |
| $$1.2M | ~$9,120 | ~$760 | ~$275 | ~$1,035 |
Waterfront properties on the Tred Avon should be evaluated for FEMA flood zone designation and flood insurance costs before purchase. Talbot County is low-lying, and some portions of Londonderry may carry SFHA (Special Flood Hazard Area) designations requiring flood insurance in addition to homeowner's insurance. Annual flood insurance costs for waterfront properties can run $1,500–$5,000+ depending on the property's base flood elevation versus first-floor elevation. Request an elevation certificate for any Londonderry property you're seriously considering. This cost is real and material to 10-year ownership projections.
Chesapeake at Easton Club East — also in Easton, higher density, lower price
Living in Easton, MD
Queen Anne's & Talbot County Tax Guide
10-Year Total Cost Comparison
With only ~80 homes and infrequent turnover, inventory is scarce. Our Talbot County specialists can notify you when homes come available and help you evaluate flood zone exposure before making an offer.
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