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7428 Bay Front Rd, Baltimore, MD, 21219

3beds
1baths
1,538sqft
$325,000
$211price/sqft
$2,369/moest. monthly cost
$94,760/yrincome needed

About This Home

An incredible opportunity awaits in this quiet, water-oriented neighborhood in Sparrows Point. The renovation began as a labor of love, but life happened, and seller is unable to complete. This is your chance to bring your vision and restore this home to its former glory. Great bones, open layout, large rooms, tall ceilings, fantastic location and an amazing 24Wx32Lx15H garage/pole barn building with electric, double thick concrete floors, full bath rough in, mini split unit and pellet stove. A contractor or business owner’s dream! Or maybe in-law/auxiliary dwelling unit? Gym? Studio? You decide! Step outside the house to an expansive deck overlooking your large, level fenced lot with private driveway. Nestled in a community brimming with small-town charm, this home perfectly balances peaceful living with everyday convenience. Enjoy nearby waterfront parks, marinas, local restaurants, and quick access to 695, 95, BWI Airport, Canton, Downtown Baltimore, Tradepoint Atlantic, Hopkins and world-class healthcare. From festive holiday tree lightings to the beloved annual Fireman’s Carnival, this welcoming neighborhood truly feels like home. Renovated homes have sold over 600k. The potential is unlimited! Make your appointment today!

Getting Around

17
WalkingCar-Dependent
0
TransitNo Nearby Transit
30
BikeSomewhat Bikeable

Schools

2/10
3/10

Construction

Condition

  • Year built: 1921

Materials

  • Foundation: Block
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Unfinished

Bathroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,538

Heating & Cooling

  • Heating features: Radiator,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 2,258
  • Total interior livable area: 1,538 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04151513142630
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

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

Lot

  • Lot size: 9,000 sqft
  • Lot size dimensions: 1.00 x

Parking

  • Total spaces: 2
  • Parking features: Storage,Covered,Garage Faces Front,Garage Faces Side,Oversized,Driveway,Private,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Coastal Flooding
    Coastal FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Coastal Flooding
Winter Weather
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 $1,643$19,716
Home Insurance *$116$1,392
Property Taxes $329$3,948
Electricity $281$3,374
Total$2,369$28,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,222/yr
40% on housing$71,070/yr
45% on housing$63,173/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

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 21219$203
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21219$215
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
2025-09-02Listed for sale$325,000
1986-06-19Sold$47,100

For Sale by Agent

AgentLaura Dernoga
BrokerageCummings & Co. Realtors

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