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109 Hughes Shore Rd, Baltimore, MD, 21220

2beds
1baths
848sqft
$499,999
$590price/sqft
$3,671/moest. monthly cost
$146,840/yrincome needed

About This Home

There are properties, and then there are locations. This is a location. Sitting directly on the shores of Middle River, this waterfront opportunity puts you right in the heart of one of the most sought-after water communities in the Baltimore area — where weekends are measured in boat rides, morning coffees on the dock, and sunsets that paint the sky in ways no camera can quite capture. Step outside and you're on the water. A newer bulkhead keeps your investment protected, and a private dock extends right out to the river — tie up your boat, launch the jet ski, drop a line in the water, or simply sit and watch the world slow down. Middle River connects you to the Chesapeake Bay and all the boating, fishing, and crabbing that comes with it. This is the lifestyle people spend years searching for. The views from this property are the kind that make you stop and take a breath. Whether it's the morning light dancing off the water, the boats drifting by on a summer afternoon, or those legendary waterfront sunsets rolling in over the horizon, this is a front-row seat to some of the best scenery the region has to offer. You simply cannot put a price on a view like this. And when the sun goes down, the fun doesn't have to stop. Bengies Drive-In Theatre — one of the last great American drive-in experiences and a beloved Maryland landmark — is right around the corner. Catch a double feature and be back home on the water before the credits finish rolling. It's the kind of neighborhood detail that makes a good location a great one. For the buyer with vision, this is the opportunity you've been waiting for. Waterfront lots with a private dock and newer bulkhead in this location are a rare find at any price point. Bring your ideas and your imagination — the water is already waiting.

Getting Around

48
WalkingCar-Dependent
31
TransitSome Transit
37
BikeSomewhat Bikeable

Schools

7/10
Chase Elementary SchoolGrades PK-50.9 mi
2/10
2/10
Kenwood High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1929

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 848

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 848
  • Total interior livable area: 848 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 04151512400070
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

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

Lot

  • Lot size: 0.44 Acres
  • Lot size dimensions: 1.00 x

Parking

  • Parking features: On Street
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Heat Wave
Winter Weather
Inland 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 $2,528$30,336
Home Insurance *$196$2,352
Property Taxes $666$7,992
Electricity $281$3,374
Total$3,671$44,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,862/yr
40% on housing$110,130/yr
45% on housing$97,893/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

$590This listing

vs Other Active Listings

Avg $/sqft

ZIP 21220$159
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21220$216
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
2026-03-26Listed for sale$499,999
2025-07-21Sold$330,000

For Sale by Agent

AgentChris Kotula
BrokerageRealty Plus Associates

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