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2428 Steamboat Way, Bel Air, MD, 21015

3beds
4baths
3,425sqft
$505,000
$147price/sqft
$3,583/moest. monthly cost
$143,320/yrincome needed

About This Home

Nestled in the prestigious James Run Carriage Homes community, this exquisite townhouse offers a harmonious blend of luxury and comfort. Built in 2023, the traditional architectural style is complemented by modern amenities, creating an inviting atmosphere that feels like home. Step inside to discover an open floor plan that seamlessly connects the gourmet kitchen, featuring stainless steel appliances, a spacious island, and elegant recessed lighting, to the dining and living areas. The main level also boasts an entry-level primary bedroom/bath combo and a beautifully designed half bath, perfect for guests. Upstairs, boast 2 generous bedrooms and a den/office/gym and a full bath. The almost fully finished basement offers additional living space, with a walkout entrance that leads to a serene backyard, backing to lush trees for added privacy. Enjoy outdoor living on the charming porch, or take advantage of the community amenities, including a clubhouse, pickleball courts, and scenic walking paths. With a two-car attached garage and energy-efficient appliances, this home is designed for modern living. Experience the tranquility of wooded views while being part of a vibrant community. This property is not just a home; it's a lifestyle waiting to be embraced.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

6/10
4/10
Aberdeen Middle SchoolGrades 6-85.4 mi
5/10
Aberdeen High SchoolGrades 9-125.1 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 2023

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Energy Efficient Appliances,Exhaust Fan,Instant Hot Water,Oven/Range - Gas,Refrigerator,Stainless Steel Appliance(s),Washer,Tankless Water Heater,Gas Water Heater
  • Laundry features: Has Laundry,Main Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Partial,Full,Heated,Improved,Interior Entry,Exterior Entry,Partially Finished,Rear Entrance,Shelving,Sump Pump,Walk-Out Access

Bathroom1

  • Level: Upper

Bathroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Den

  • Level: Upper

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Bathroom - Stall Shower,Bathroom - Walk-In Shower,Combination Kitchen/Dining,Combination Kitchen/Living,Entry Level Bedroom,Open Floorplan,Floor Plan - Traditional,Kitchen - Gourmet,Kitchen Island,Kitchen - Table Space,Primary Bath(s),Recessed Lighting,Walk-In Closet(s)
  • Flooring: Luxury Vinyl,Carpet,Tile/Brick
  • Finished area below ground: 945
  • Finished area above ground: 2,480

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,723
  • Total interior livable area: 3,425 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Upper

Other

  • Level: Lower

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Level: Main

Utility Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: 1301401339
  • Zoning: MO
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Porch
  • Exterior features: Sidewalks
  • Fencing: Vinyl
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 3,397 sqft
  • Features: Backs to Trees

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Front,Garage Door Opener,Inside Entrance,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 $2,553$30,636
Home Insurance *$141$1,692
Property Taxes $453$5,436
Electricity $436$5,236
Total$3,583$42,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,845/yr
40% on housing$107,490/yr
45% on housing$95,546/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

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 21015$194
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
2023-01-30Sold$518,005
2022-07-14Pending sale$512,580

Coming Soon

AgentHeidi Dombrock
BrokerageLong & Foster Real Estate, Inc.

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