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827 N Howard St, Baltimore, MD, 21201

2beds
1baths
2,862sqft
$369,900
$129price/sqft
$3,952/moest. monthly cost
$158,080/yrincome needed

About This Home

Exceptional Mixed use investment opportunity on Antique Row. Located within steps of Union Memorial Hospital, shops and Joseph Meyerhoff Symphony Hall. Well maintained three unit building featuring commercial space on the main level, currently occupied by a beauty salon since June 2023. The commercial unit offers an open floor plan with two spacious rooms, a full bath, and access to the lower level housing separate gas and electric meters and its own HVAC system. Vacant 2nd floor recently vacated by long term occupant. This unit is ideal for an owner occupant. Currently listed for rent for $1,200 monthly. Bright and inviting unit it offers excellent rental potential. The third floor one bedroom one bath apartment was fully renovated in 2023 and is occupied by a stable tenant since then. Features include stainless steel appliances, LTV flooring, an updated bath, private HVAC system, and a spacious eat-in kitchen. Each unit has separate utilities, individual heating systems, and laundry. Floor plans are included within photo gallery. Ideally located in the heart of downtown Antique Row, within walking distance of restaurants, shops, hospital, and transportation. An outstanding opportunity for investors or owner occupants seeking income producing property in a prime location. The possibilities are endless. Realtors are able to show the 2nd floor unit immediately. Advance notice will be required to show the occupied occupied spaces.

Getting Around

98
WalkingWalker's Paradise
100
TransitRider's Paradise
85
BikeVery Bikeable

Construction

Condition

  • Property condition: Very Good
  • Year built: 1900

Materials

  • Foundation: Other
  • Construction materials: Other

Notable Dates

  • Major remodel year: 2023

Type & Style

  • Home type: MultiFamily
  • Architectural style: Other
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Heating & Cooling

  • Heating features: Hot Water,Natural Gas
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 2,862
  • Total interior livable area: 2,862 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0311090509 039
  • Zoning: C-1
  • Special condition: Standard

Features

  • Pool features: None

Lot

  • Lot size: 1,245 sqft

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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 WaveVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Inland Flooding
Winter Weather
Hail
Hurricane
Lightning
Strong Wind
Tornado

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 $1,870$22,440
Home Insurance *$1,016$12,192
Property Taxes $702$8,424
Electricity $364$4,375
Total$3,952$47,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,497/yr
40% on housing$118,560/yr
45% on housing$105,386/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

$129This listing

vs Other Active Listings

Avg $/sqft

ZIP 21201$140
Baltimore City$102

vs Homes Sold Last Month

Median $/sqft

ZIP 21201$149
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
2026-06-22Listed for sale$369,900
2023-03-28Sold$281,925

For Sale by Agent

AgentBrigitte Williams
BrokerageCummings & Co. Realtors

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