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432 E Oliver St, Baltimore, MD, 21202

3beds
3baths
1,816sqft
$299,900
$165price/sqft
$2,600/moest. monthly cost
$104,000/yrincome needed

About This Home

Welcome to this well-maintained three-bedroom, two-and-a-half-bath home in Baltimore’s vibrant Greenmount West neighborhood, located within the Station North Arts District. Thoughtfully designed for modern living, the home offers four fully finished levels, an open-concept layout, hardwood floors, generous ceiling heights, three spacious bedrooms, a new central air-conditioning system, and dedicated off-street parking for one car. The bright and inviting main level provides plenty of room for both everyday living and entertaining. The kitchen features brand-new stainless steel appliances, while a conveniently located half bath sits near the rear entrance. The second level includes two large, similarly sized bedrooms and a full hall bath. The third level features an additional spacious bedroom, another full bath, and a flexible open area leading to the rooftop deck. With city views and a peaceful atmosphere, the deck is an ideal place to unwind, entertain, or enjoy an evening outdoors. The fully finished basement offers even more usable space, along with additional storage. Soundproofing makes it especially well suited for musicians, a media room, creative projects, or a quiet work-from-home office. The home is just a short distance from MICA, the University of Baltimore, Mount Vernon, and the dining, nightlife, and entertainment options along Charles Street. Penn Station is nearby for convenient commuting and regional rail access, while quick access to I-83 makes it easy to reach other parts of the city and surrounding areas. A community garden sits at the end of the street, adding to the neighborhood’s welcoming and connected atmosphere. Explore Open Works, a neighborhood maker space; walk across the street for coffee and breakfast from Black Acres; or take a quick stroll to Guilford Hall Brewery for dinner and drinks. Centrally located with flexible living space, modern updates, private parking, and easy access to many of Baltimore’s most popular neighborhoods and destinations, this home is ideal for commuters, artists, or anyone looking to enjoy a quiet residential setting close to everything the city has to offer.

Getting Around

86
WalkingVery Walkable
91
TransitRider's Paradise
75
BikeVery Bikeable

Schools

4/10
Baltimore Design SchoolGrades 6-120.1 mi
9/10

Construction

Condition

  • Year built: 2012

Materials

  • Foundation: Block
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Cooktop,Stainless Steel Appliance(s),Washer,Water Heater,Gas Water Heater

Basement

  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Other

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Ceiling Fan(s),Combination Dining/Living,Combination Kitchen/Dining,Open Floorplan,Kitchen - Galley,Recessed Lighting
  • Window features: Window Treatments
  • Flooring: Carpet,Hardwood,Wood
  • Finished area below ground: 300
  • Finished area above ground: 1,516

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,816
  • Total interior livable area: 1,816 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Upper

Other

  • Level: Upper

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 0312101120 061
  • Zoning: C-1
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Pool features: None
  • Patio & porch: Patio

Parking

  • Total spaces: 1
  • Parking features: Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Winter Weather

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,516$18,192
Home Insurance *$214$2,568
Property Taxes $589$7,068
Electricity $281$3,374
Total$2,600$31,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,142/yr
40% on housing$78,000/yr
45% on housing$69,333/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 21202$176
Baltimore City$102

vs Homes Sold Last Month

Median $/sqft

ZIP 21202$292
Baltimore City$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-08Listed for sale$299,900
2019-07-19Sold$266,000
2019-05-03Listed for sale$274,900
2013-06-20Sold$184,900

For Sale by Agent

AgentJoy Sushinsky
BrokerageCompass

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