




766 Dividing Creek Rd, Arnold, MD, 21012
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
Schools
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
- Coastal Flooding
- Heat Wave
- Lightning
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,401 | $28,812 |
| Home Insurance * | $126 | $1,512 |
| Property Taxes | $326 | $3,912 |
| Electricity | $313 | $3,761 |
| Total | $3,166 | $37,992 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-23 | Listed for sale | $500,000 |
| 2006-07-10 | Sold | $137,500 |
For Sale by Agent
