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312 Wye Rd, Essex, MD, 21221

3beds
1baths
1,200sqft
$280,000
$233price/sqft
$2,135/moest. monthly cost
$85,400/yrincome needed

About This Home

Welcome to 312 Wye Road—a stately Cape Cod offering timeless charm, exceptional outdoor space, and an incredible opportunity in the heart of Essex. Situated on a spacious property with a circular driveway that wraps around the home, this well-maintained residence provides convenience, curb appeal, and plenty of room to spread out. Even better, the sale includes four additional lots, creating a rare opportunity for extra yard space, future possibilities, or simply added privacy. Inside, you'll find three generously sized bedrooms and a full bathroom on the main level, providing a functional and inviting layout. The unfinished walk-up basement offers abundant storage and endless potential to create additional living space, a workshop, home gym, or hobby area to suit your needs. Location is everything, and 312 Wye Road places you just minutes from the Chesapeake Bay lifestyle. Spend your weekends enjoying some of the area's favorite waterfront destinations, including LoonASea Restaurant, Carson's Creekside Restaurant, McFaul's Oyster and Reel, Mr. Bill's Terrace Inn Crab House, Schultz's Crab House, and the local favorite Pizza John's. Whether you're craving Maryland steamed crabs, waterfront dining, live music, or a casual night out, you'll have countless options just a short drive away. Essex offers quick access to marinas, public boat launches, Back River, Middle River, and the Chesapeake Bay, making it an ideal location for boating, fishing, kayaking, and anyone who enjoys life on the water. With easy access to I-695, I-95, downtown Baltimore, shopping, parks, and everyday conveniences, this property combines classic character, a generous amount of land, and an unbeatable location. The property is being sold strictly as-is, presenting an excellent opportunity for buyers to make it their own while enjoying all that this desirable location has to offer. Opportunities like this—offering a stately home plus four additional lots—are few and far between. Schedule your private showing today and imagine the possibilities!

Getting Around

24
WalkingCar-Dependent
29
TransitSome Transit
29
BikeSomewhat Bikeable

Schools

6/10
4/10
Deep Creek Middle SchoolGrades 6-81.7 mi
3/10
Chesapeake High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1957

Materials

  • Foundation: Permanent
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Area: 800

Basement

  • Has basement: Yes
  • Basement: Other

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,200

Heating & Cooling

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

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 1,200 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04151508652457
  • Zoning: R
  • Special condition: Standard

Features

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

Lot

  • Lot size: 0.52 Acres
  • Lot size dimensions: 1.00 x

Parking

  • Parking features: Circular Driveway,Driveway
  • 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
  • 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 $1,415$16,980
Home Insurance *$104$1,248
Property Taxes $335$4,020
Electricity $281$3,374
Total$2,135$25,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,200/yr
40% on housing$64,050/yr
45% on housing$56,933/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

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 21221$162
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

No price history available

Coming Soon

AgentAnastasia Zivkovic Palmer
BrokerageCummings & Co. Realtors

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