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2515 Monarch Way, Bel Air, MD, 21015

6beds
4baths
4,243sqft
$828,900
$195price/sqft
$5,709/moest. monthly cost
$228,360/yrincome needed

About This Home

Welcome to this stunning 6-bedroom, 4-full-bath home boasting over 4,200 finished square feet of exceptional living space. From the moment you arrive, the curb appeal impresses with its classic two-story design, beautiful landscaping, and welcoming front porch. Inside, the home is absolutely gorgeous with upgrades throughout . Main Level features a full bathroom and an oversized bedroom, perfect for in-law living ,guests ,or multigenerational living. The gourmet kitchen features a plenty cabinet space ,kitchen island and upgraded counter tops . Butler pantry off the formal dinning room is perfect for entertaining and keeping everything organized. Generous room sizes, abundant natural light, and high-quality finishes make every space feel warm and inviting. Step outside to an entertainer’s dream backyard! Enjoy the huge composite deck with a dedicated grill/BBQ area, ideal for summer cookouts. Brand new and expansive over 1,700 sq ft of paver patio showcases a beautiful fireplace and fire pit — the ultimate setting for relaxing evenings, family gatherings, or hosting friends. This outdoor oasis is truly one of a kind. Additional highlights include a 2-car garage .2025 Generac Guardian Generator .Celebright Perm Accent/Sec /Holiday lights. (Denver )DR Horton model. Whether you need space for a growing family, home office, or guests, this home delivers. Don’t miss your opportunity to own this move-in ready gem in a great neighborhood!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

7/10
7/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 2021

Materials

  • Foundation: Block
  • Roof: Architectural Shingle
  • Construction materials: Frame,Blown-In Insulation,Brick Front,Combination,Vinyl Siding

Other

  • Builder model: Denver

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Cooktop,Washer,Water Heater,Gas Water Heater
  • Laundry features: Upper Level

Basement

  • Area: 1679

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Attic,Soaking Tub,Bathroom - Walk-In Shower,Butlers Pantry,Ceiling Fan(s),Dining Area,Crown Molding,Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Kitchen - Gourmet,Kitchen Island,Kitchen - Table Space,Pantry,Primary Bath(s),Upgraded Countertops,Walk-In Closet(s),Chair Railings,9'+ Ceilings,Dry Wall
  • Door features: Six Panel,Sliding Glass
  • Window features: Double Pane Windows,Low Emissivity Windows,Screens,Energy Efficient
  • Flooring: Carpet,Luxury Vinyl
  • Finished area below ground: 885
  • Finished area above ground: 3,358

Heating & Cooling

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

Interior Area

  • Total structure area: 5,037
  • Total interior livable area: 4,243 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 1301400434
  • Zoning: R1COS
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Exterior features: Extensive Hardscape,Other,Lighting,Play Area
  • Fencing: Vinyl,Panel

Lot

  • Lot size: 9,191 sqft

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Front,Garage Door Opener,Concrete,Attached,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tsunami

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 $4,191$50,292
Home Insurance *$233$2,796
Property Taxes $745$8,940
Electricity $540$6,487
Total$5,709$68,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$195,737/yr
40% on housing$171,270/yr
45% on housing$152,240/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 21015$193
Harford County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 21015$223
Harford County$207

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
2026-08-14Price change$827,000
2026-08-03Price change$828,900
2026-07-02Price change$829,900
2026-06-25Price change$834,900
2026-06-18Price change$839,900
2026-06-10Price change$847,500
2026-05-22Listed for sale$850,000
2025-02-10Sold$760,000
2024-12-04Price change$775,000
2024-11-24Price change$799,900
2024-11-07Listed for sale$799,999
2023-05-21Listing removed--
2021-06-25Sold$668,475
2021-03-31Pending sale$668,475
2021-03-25Listed for sale$668,475

For Sale by Agent

AgentMargaret Steen
BrokerageSteen Properties

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