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3160 Rolling Rd, Edgewater, MD, 21037

4beds
3baths
2,329sqft
$648,500
$278price/sqft
$4,289/moest. monthly cost
$171,560/yrincome needed

About This Home

Significant Price Improvement — Now $740,000 Now strategically positioned at $740,000, this property presents a compelling opportunity in the sought-after water-privileged Withernsea community. Proudly owned and meticulously maintained by the original owner, this 4-bedroom, 3-bath split-level home offers solid construction, a functional layout, and key updates including new carpet in the lower-level family room, new glass in the front picture window, and a new front door. Move-in ready with the opportunity to modernize over time, the home is ideal for buyers looking to build equity while customizing to their taste. The main level features an open living and dining area with access to an expansive two-tier deck, perfect for entertaining or enjoying peaceful wooded views. The lower level offers a spacious family room with a wood-burning fireplace, a guest bedroom and full bath, and access to a second deck with a 4-person hot tub. Situated on a private 1.08-acre cul-de-sac lot, the property offers mature trees, a creek, seasonal water views, and a rare sense of privacy. Residents enjoy exclusive access to a community trail leading to a private pier, kayak launch, and picnic areas—offering a true lifestyle advantage just minutes from Annapolis. Conveniently located near US-50, I-97, and I-95 for easy commuting to Washington, D.C. and Baltimore. A rare opportunity to secure space, privacy, and water-privileged living at a price that reflects today’s market.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

7/10
8/10
Central Middle SchoolGrades 6-81.6 mi
8/10
South River High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Very Good,Good
  • Year built: 1983

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Wood Siding,Frame,Combination

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Built-In Range,Dishwasher,Dryer,Self Cleaning Oven,Oven,Oven/Range - Electric,Range Hood,Refrigerator,Washer,Water Conditioner - Owned,Electric Water Heater
  • Laundry features: Lower Level

Bathroom1

  • Level: Lower

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bedroom1

  • Level: Lower

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Kitchen - Country,Dry Wall
  • Door features: Sliding Glass
  • Flooring: Carpet,Laminate,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Brick
  • Fireplace: Yes
  • Finished area below ground: 845
  • Finished area above ground: 1,484

Heating & Cooling

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

Interior Area

  • Total structure area: 2,329
  • Total interior livable area: 2,329 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020190190009025
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: Multi/Split,Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck
  • Has spa: Yes
  • Spa features: Hot Tub
  • Has view: Yes
  • View description: Creek/Stream,Trees/Woods,Water,Street
  • Has water view: Yes
  • Water view: Creek/Stream,Water
  • Waterfront features: Creek/Stream
  • Waterbody name: Beards Creek

Lot

  • Lot size: 1.08 Acres
  • Features: Backs to Trees,Front Yard,Private,Secluded,Stream/Creek,Wooded,Unknown Soil Type

Parking

  • Total spaces: 6
  • Parking features: Garage Faces Side,Asphalt,Driveway,Off Street,Other,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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

  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Lightning
Winter Weather
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 $3,279$39,348
Home Insurance *$191$2,292
Property Taxes $523$6,276
Electricity $296$3,560
Total$4,289$51,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,051/yr
40% on housing$128,670/yr
45% on housing$114,373/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 21037$300
Anne Arundel County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 21037$308
Anne Arundel County$262

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
2026-04-29Price change$740,000
2026-03-23Price change$775,000
2025-10-02Listed for sale$795,000

For Sale by Agent

AgentWendy Foard
BrokerageCoastal Realty Maryland

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