See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

766 Dividing Creek Rd, Arnold, MD, 21012

3beds
2baths
2,460sqft
$475,000
$193price/sqft
$3,166/moest. monthly cost
$126,640/yrincome needed

About This Home

Welcome home to this charming historic property, built prior to 1900 and situated in the heart of Arnold. A newly added entry patio and inviting screened porch set the tone, offering the perfect place to relax and welcome guests. Inside, timeless character shines with original hardwood floors flowing through the expansive living and dining areas. The dining space features built-in shelving, adding charm and function. The kitchen offers a large pantry and abundant shelving, perfect for storage and displaying your favorite pieces. Beyond the kitchen you'll find a cozy sitting room and a spacious family room, creating flexible living spaces to suit your needs. The main level also includes a full bath, complete with a freestanding tub and classic black-and-white tile that blends historic charm with a style that feels effortlessly current. Upstairs, a loft-style landing filled with natural light provides the ideal space for a home office, reading nook, or plant-filled retreat. Three bedrooms and a convenient powder room complete the upper level. The unfinished basement offers excellent storage, laundry space, and walkout access to the backyard. Set on nearly half an acre, the property provides a rare sense of space and privacy, along with seasonal water views of the Magothy River. Conveniently located near local parks, marinas, shopping, and commuter routes to Annapolis, Baltimore, and D.C., this home offers a unique opportunity to own a piece of Arnold’s history with room to make it your own.

Getting Around

34
WalkingCar-Dependent
31
TransitSome Transit
31
BikeSomewhat Bikeable

Schools

8/10
9/10
8/10
Broadneck High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Block
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 840

Basement

  • Has basement: Yes
  • Basement: Full,Connecting Stairway,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,460

Heating & Cooling

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

Interior Area

  • Total structure area: 3,300
  • Total interior livable area: 2,460 sqft

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: 020300033710800
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Waterfront features: River
  • Waterbody name: Magothy River - Buckinghams Cove - Winter View

Lot

  • Lot size: 0.44 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • 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
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Heat Wave
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 $2,401$28,812
Home Insurance *$126$1,512
Property Taxes $326$3,912
Electricity $313$3,761
Total$3,166$37,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,548/yr
40% on housing$94,980/yr
45% on housing$84,426/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

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 21012$279
Anne Arundel County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 21012$288
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
2026-04-23Listed for sale$500,000
2006-07-10Sold$137,500

For Sale by Agent

AgentJessica Hood
BrokerageBerkshire Hathaway HomeServices PenFed Realty

Similar Homes