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764 Oella Ave, Ellicott City, MD, 21043

2beds
1baths
960sqft
$309,000
$322price/sqft
$2,278/moest. monthly cost
$91,120/yrincome needed

About This Home

Welcome to 764 Oella Ave! Welcome home to the heart of the highly sought-after Oella community, where history, charm, and modern convenience come together in perfect harmony. This rarely available early-1800s brick row home offers a unique opportunity to own a piece of local history while enjoying thoughtful updates designed for today's lifestyle. Rich character is evident throughout, from the timeless brick construction to the exposed stone accent wall in the main entry. The updated kitchen features floating shelves, ample counter space, and newer appliances, including a dishwasher and oven installed in 2026, while the beautifully renovated bathroom (2022) adds contemporary comfort. Additional recent improvements include a hot water heater (2025) and washer and dryer combo (2024), providing added peace of mind. The spacious primary bedroom offers an ideal balance of comfort and storage, while the versatile second bedroom or home office is filled with natural light thanks to its motorized skylight cover. Outdoor enthusiasts will love direct access to hiking and biking trails in Patapsco Valley State Park just behind the home, as well as the nearby Trolley Trail and scenic riverside walk to Historic Ellicott City, where unique shops, dining, and small-town charm await. Ample parking is found in the community private lot with unassigned spaces for everyone. Fall in love with the timeless hills of Oella and begin your next chapter in one of the area's most treasured communities. Opportunities like this do not come available often - Schedule your showing today!

Getting Around

1
WalkingCar-Dependent
18
TransitMinimal Transit
14
BikeSomewhat Bikeable

Schools

7/10
5/10
8/10
Catonsville High SchoolGrades 9-123.2 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1900

Materials

  • Foundation: Stone
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Rear Entrance

Bathroom1

  • Level: Upper

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 192
  • Finished area above ground: 768

Heating & Cooling

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

Interior Area

  • Total structure area: 1,152
  • Total interior livable area: 960 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Other

  • Level: Lower

Recreation Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04012200013124
  • Zoning: .
  • Special condition: Standard

Features

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

Lot

  • Lot size: 818 sqft

Parking

  • Parking features: Unassigned,Parking Lot,Off Street

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

  • Heat Wave
    Heat WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Winter Weather
Lightning
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 $1,562$18,744
Home Insurance *$68$816
Property Taxes $367$4,404
Electricity $281$3,374
Total$2,278$27,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,102/yr
40% on housing$68,340/yr
45% on housing$60,746/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$322This listing

vs Other Active Listings

Avg $/sqft

ZIP 21043$255
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21043$263
Baltimore 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
2026-08-06Contingent$309,000
2026-07-28Price change$309,000
2026-07-09Price change$319,000
2026-06-25Listed for sale$329,000
2026-06-21Pending sale$329,000
2026-06-19Listed for sale$329,000
2021-10-15Sold$269,000
2021-09-20Pending sale$269,000
2021-03-05Listing removed--
2019-01-22Listing removed$1,650
2019-01-04Price change$1,650
2019-01-03Listed for rent$1,690
2003-01-09Sold$163,000

For Sale by Agent

AgentChristopher Stumbroski
BrokerageEXP Realty, LLC

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