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2224 Middleborough Rd, Essex, MD, 21221

5beds
5baths
1,620sqft
$450,000
$278price/sqft
$3,391/moest. monthly cost
$135,640/yrincome needed

About This Home

Unfinished single-family home offering exceptional potential, with a possible layout of 5 bedrooms and 4.5 bathrooms. All construction permits are fully updated, and recent work completed in Fall 2025 provides a solid foundation to complete the project. Ideally located close to the water with partial water views, this property presents a rare opportunity to customize and add value in a desirable coastal setting. Perfect for builders, investors, or buyers seeking to create a custom home. Minutes from the water.

Getting Around

21
WalkingCar-Dependent
0
TransitNo Nearby Transit
28
BikeSomewhat Bikeable

Schools

6/10
4/10
Deep Creek Middle SchoolGrades 6-82.1 mi
3/10
Chesapeake High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1924

Materials

  • Foundation: Other
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 936

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 5
  • Main level bedrooms: 5

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,620

Heating & Cooling

  • Heating features: Other,Electric
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 2,556
  • Total interior livable area: 1,620 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 04151508651310
  • Zoning: //
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 0.56 Acres
  • Lot size dimensions: 2.00 x

Parking

  • Parking features: Other

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Winter Weather
Coastal Flooding
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 $2,275$27,300
Home Insurance *$167$2,004
Property Taxes $668$8,016
Electricity $281$3,374
Total$3,391$40,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,262/yr
40% on housing$101,730/yr
45% on housing$90,426/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: 9.1%
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

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 21221$161
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21221$198
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
2026-04-28Price change$450,000
2026-01-06Listed for sale$550,000
2024-04-10Sold$325,000
2024-01-30Sold$230,000
2023-05-31Listing removed$340,000
2023-02-10Listed for sale$340,000
2021-05-19Sold$155,000
2021-01-21Pending sale$155,000
2021-01-13Listed for sale$155,000
2020-09-29Pending sale$155,000
2020-09-29Listed for sale$155,000
2020-05-20Listing removed$155,000
2020-03-03Listed for sale$155,000
2000-07-19Sold$140,600

For Sale by Agent

AgentCatalina Sandoval
BrokerageRE/MAX Realty Centre, Inc.

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