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289 Whistling Pine Rd, Severna Park, MD, 21146

3beds
3baths
2,896sqft
$699,900
$242price/sqft
$4,793/moest. monthly cost
$191,720/yrincome needed

About This Home

Beautifully renovated Victorian nestled in a charming Severna Park water privilege community and just a mile down the street to Hamilton Harbour Marina - so don't forget to bring your boat. From the inviting wraparound porch to the thoughtfully updated interior, this home blends timeless charm with modern comfort. The main level features beautiful bamboo floors, a spacious family room with a fireplace, formal dining room and a separate living room filled with an abundance of natural light. The heart of the home is the expansive kitchen, complete with a large center island, abundant workspace, and seamless flow for everyday living and entertaining. Upstairs, you'll find three generously sized bedrooms, a convenient laundry room, and a spacious primary suite featuring a renovated bathroom and walk-in closet. The finished lower level provides valuable additional living space perfect for a recreation room, home office, gym, or guest area, along with ample storage. Outside, the wraparound porch offers the perfect place to enjoy morning coffee or unwind at the end of the day. Residents enjoy water privileges, including a fishing pier, playground, and scenic walking paths that make evening strolls a neighborhood tradition. This is a home and community where you'll be proud to call your own.

Getting Around

22
WalkingCar-Dependent
24
TransitMinimal Transit
30
BikeSomewhat Bikeable

Schools

10/10
9/10
Severna Park High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Block
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Exhaust Fan,Ice Maker,Cooktop,Washer,Electric Water Heater

Basement

  • Area: 988

Basement

  • Has basement: Yes
  • Basement: Other

Bedrooms & Bathrooms

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

Features

  • Attic,Combination Kitchen/Dining,Combination Dining/Living,Family Room Off Kitchen,Open Floorplan,Formal/Separate Dining Room,Eat-in Kitchen,Kitchen Island,Kitchen - Table Space,Primary Bath(s),Pantry,Bathroom - Stall Shower,Walk-In Closet(s),Other
  • Flooring: Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 790
  • Finished area above ground: 2,106

Heating & Cooling

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

Interior Area

  • Total structure area: 3,094
  • Total interior livable area: 2,896 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020351990031692
  • Zoning: R5
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 7,138 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Garage Door Opener,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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 WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $3,539$42,468
Home Insurance *$183$2,196
Property Taxes $703$8,436
Electricity $368$4,427
Total$4,793$57,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$164,331/yr
40% on housing$143,790/yr
45% on housing$127,813/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

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 21146$370
Anne Arundel County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 21146$316
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
2026-08-15Price change$674,900
2026-07-21Listed for sale$699,900
2026-07-15Contingent$699,900
2026-07-04Price change$699,900
2026-06-05Listed for sale$725,000
2020-09-16Sold$499,900
2020-06-14Price change$489,900
2020-06-06Price change$499,900
2020-05-25Price change$449,900
2020-05-17Price change$475,000
2020-01-14Price change$499,900
2019-11-23Listed for sale$519,900
2019-08-17Listing removed$525,000
2019-07-02Price change$525,000
2019-05-08Listed for sale$549,900
2007-08-10Sold$480,000

For Sale by Agent

AgentBetty Batty
BrokerageCompass

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