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902 Elm Ridge Ave, Baltimore, MD, 21229

3beds
--baths
1,350sqft
$295,000
$219price/sqft
$2,283/moest. monthly cost
$91,320/yrincome needed

About This Home

Well-maintained two-unit townhome at 902 Elm Ridge Ave in Baltimore. Both units are currently occupied with month-to-month tenants, offering immediate rental income with flexibility for future adjustments. Each unit provides comfortable living space and practical layouts, making this an ideal opportunity for investors or owner-occupants. Conveniently located near major commuter routes, shopping, and local amenities. A solid addition to any rental portfolio!

Getting Around

73
WalkingVery Walkable
46
TransitSome Transit
51
BikeBikeable

Schools

8/10
Arbutus Elementary SchoolGrades PK-51.1 mi
5/10
Arbutus Middle SchoolGrades 6-81.2 mi
8/10
Catonsville High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1948

Materials

  • Foundation: Block
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 600

Bedrooms & Bathrooms

  • Bedrooms: 3

Heating & Cooling

  • Heating features: Radiator,Oil
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,350 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 04131320300000
  • Zoning: R
  • Special condition: Standard

Features

  • Pool features: None

Lot

  • Lot size: 2,300 sqft

Parking

  • Total spaces: 1
  • Parking features: Other,On Street,Detached
  • 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

  • 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 $1,491$17,892
Home Insurance *$128$1,536
Property Taxes $383$4,596
Electricity $281$3,374
Total$2,283$27,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,274/yr
40% on housing$68,490/yr
45% on housing$60,880/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

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 21229$93
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21229$197
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
2026-04-21Listed for sale$295,000
2026-04-10Contingent$295,000
2026-01-29Listed for sale$295,000
2016-01-21Sold$160,000
2015-12-14Pending sale$167,900
2015-11-21Price change$167,900
2015-11-11Listed for sale$175,000
2014-05-22Listing removed$204,500
2014-02-15Listed for sale$204,500
2013-12-13Pending sale$204,500
2013-05-07Price change$204,500
2013-03-29Listed for sale$218,000
2002-01-23Sold$85,000

For Sale by Agent

AgentBrad Morsberger
BrokerageCummings & Co. Realtors

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