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519 Schmidt Rd, Middle River, MD, 21220

4beds
4baths
2,600sqft
$799,999
$308price/sqft
$5,329/moest. monthly cost
$213,160/yrincome needed

About This Home

Luxury Waterfront Living with Private Deeded Boat Slip in the exclusive gated community of Waters Edge at Seneca Creek! This former model home is just a few years old and loaded with upgrades, premium finishes, and breathtaking water views from nearly every level. This elegant 4-bedroom, 4-bath home offers over four levels of thoughtfully designed living space. The entry level welcomes you with custom built-ins, ceramic flooring, a spacious two-car garage, abundant storage, and a workshop area with walkout access to the yard. The main living level features an open-concept design with hardwood floors, abundant natural light, and spectacular water views. The gourmet kitchen is appointed with granite countertops, stainless steel Energy Star appliances, a gas range, oversized center island, breakfast area, and 42-inch white shaker cabinetry. Step outside to the expansive 26' x 14' composite deck overlooking Seneca Creek—perfect for entertaining or simply enjoying the stunning water views and natural surroundings. Upstairs, the luxurious primary suite includes a private sitting area with water views and a spa-inspired bath. Two additional generously sized bedrooms, a full bath, and conveniently located laundry complete this level. The top-floor loft provides exceptional flexibility as a bedroom, family room, home office, fitness space, or guest retreat. Complete with a wet bar, half bath, and access to a stunning 16' x 12' rooftop deck, this level offers some of the home's most spectacular waterfront views. Boating enthusiasts will appreciate deeded ownership of Slip #2 at the maintenance free community pier. Improvements include four additional pilings creating 2 slips- one with a 15,000-pound Magnum boat lift, and electrical service for both wet and dry dock capabilities, providing direct access to Seneca Creek and the Chesapeake Bay. Never mow another lawn or pull another weed as your HOA takes care of landscaping and lawn maintenance as well as upkeep of the community's private dock and beach area. Rarely does a home combine luxury finishes, panoramic water views, private boating access, and low-maintenance living so seamlessly. Move-in ready and truly one of the area’s premier waterfront offerings.

Getting Around

9
WalkingCar-Dependent
12
TransitMinimal Transit
31
BikeSomewhat Bikeable

Schools

4/10
Seneca Elementary SchoolGrades PK-50.2 mi
2/10
2/10
Kenwood High SchoolGrades 9-124.0 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 2019

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle,Metal
  • Construction materials: Advanced Framing,Batts Insulation,Blown-In Insulation,Cement Siding,HardiPlank Type

Other

  • Builder model: Constellation
  • Builder name: Caruso Homes

Type & Style

  • Home type: Condo
  • Architectural style: Coastal,Colonial
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,ENERGY STAR Qualified Dishwasher,ENERGY STAR Qualified Refrigerator,Exhaust Fan,Ice Maker,Microwave,Oven/Range - Gas,Range Hood,Refrigerator,Stainless Steel Appliance(s),Washer,Water Dispenser,Water Heater,Electric Water Heater
  • Laundry features: Upper Level,Laundry Room,Mud Room

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bathrooms: 1

Breakfast Room

  • Level: Main

Dining Room

  • Level: Main

Features

  • Bathroom - Stall Shower,Bathroom - Tub Shower,Breakfast Area,Built-in Features,Ceiling Fan(s),Combination Dining/Living,Crown Molding,Dining Area,Family Room Off Kitchen,Open Floorplan,Formal/Separate Dining Room,Eat-in Kitchen,Kitchen Island,Kitchen - Table Space,Other,Pantry,Primary Bath(s),Primary Bedroom - Bay Front,Recessed Lighting,Upgraded Countertops,Walk-In Closet(s),Bar,9'+ Ceilings,Dry Wall
  • Door features: Insulated,Sliding Glass
  • Window features: Double Pane Windows,Insulated Windows,Low Emissivity Windows,Window Treatments
  • Flooring: Carpet,Ceramic Tile,Hardwood,Wood
  • Finished area above ground: 2,600

Foyer

  • Level: Lower

Half Bath

  • Level: Main

Half Bath

  • Level: Upper

Heating & Cooling

  • Heating features: Heat Pump,Electric,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,640
  • Total interior livable area: 2,600 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Mud Room

  • Level: Lower

Other

  • Level: Upper

Primary Bathroom

  • Level: Upper

Primary Bedroom

  • Level: Upper

Workshop

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04152500015876
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Pool features: None
  • Patio & porch: Deck,Roof
  • Exterior features: Boat Storage,Lighting,Flood Lights,Private Beach,Balcony
  • Has view: Yes
  • View description: Harbor,River,Water
  • Has water view: Yes
  • Water view: Harbor,River,Water
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Sandy Beach,Shared,River,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Swimming Allowed
  • Waterbody name: Seneca Creek
  • Frontage length: Water Frontage Ft: 150

Lot

  • Lot size: 2,743 sqft
  • Features: Backs - Open Common Area,Cul-De-Sac,No Thru Street
  • Lot size dimensions: 40 x 65

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Front,Garage Door Opener,Inside Entrance,Asphalt,Attached,Driveway
  • 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

  • Heat Wave
    Heat WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Winter Weather
Coastal Flooding
Lightning
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 $4,045$48,540
Home Insurance *$314$3,768
Property Taxes $639$7,668
Electricity $331$3,975
Total$5,329$63,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,708/yr
40% on housing$159,870/yr
45% on housing$142,106/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 21220$158
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21220$216
Baltimore 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
2026-07-31Price change$799,999
2026-06-19Listed for sale$849,999
2022-10-14Sold$715,000
2022-09-23Pending sale$748,900
2022-09-06Contingent$748,900
2022-07-20Price change$748,900
2022-06-27Price change$749,000
2022-05-27Listed for sale$799,000
2021-07-22Sold$679,990
2020-06-24Sold$679,990

For Sale by Agent

AgentTina Holmes
BrokerageCummings & Co. Realtors

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