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8818 Avenue B, Baltimore, MD, 21219

2beds
2baths
1,758sqft
$595,000
$338price/sqft
$4,143/moest. monthly cost
$165,720/yrincome needed

About This Home

Waterfront living meets mid-century character in this 1980-built split-level on North Point Creek. This 2-bedroom, 2-bathroom home — with potential for a third bedroom on the lower level — is tucked into a quiet, peaceful waterfront neighborhood and offers a private pier with water and electric hookups, dredged for boating access — plenty of depth to fish, crab, or dock a boat right in your backyard. Inside, the layout offers real flexibility with two full kitchens and two separate living spaces. The upstairs level features 2 bedrooms, an open-concept kitchen and living room, a spa-style bath with double sinks and a whirlpool tub, hardwood flooring, a slate-floored foyer with keypad entry, and a large sunroom with its own mini-split HVAC and water views. Downstairs, a second open-concept kitchen and living room with quarry tile flooring, a full bath, laundry, and abundant storage can be sectioned off from the upstairs with a locked door — and a bedroom could easily be added to create a fully separate unit complete with its own kitchen, bath, and entrance. Ideal for multi-generational living, a private guest suite, or rental income potential. A cozy wood stove anchors the downstairs living space, and a breezeway with a skylight connects the home to the garage, which includes interior shelving and an automatic door opener. Outside, flower gardens and mature shrubbery frame a partially fenced yard with a private driveway. This home has been well maintained with a long list of recent updates, including a new roof (2021), replacement windows and doors (2015), a heat pump (2017), upgraded electric baseboard heat (2023), a new water heater (2019), updated central vacuum system (2019), sump pump (2020), and garage door opener (2021). Location is unbeatable for water lovers: Gonce Marine is just a few minutes' walk away, and North Point State Park, Fort Howard Park, and Rocky Point Park and Beach are all nearby — great spots for hiking, biking, and enjoying the waterfront. Dated in finishes but impeccably clean, this is a rare opportunity to own a flexible, move-in-ready waterfront property with room to make it your own.

Getting Around

6
WalkingCar-Dependent
0
TransitNo Nearby Transit
30
BikeSomewhat Bikeable

Schools

2/10
3/10

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 1008

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 750
  • Finished area above ground: 1,008

Heating & Cooling

  • Heating features: Central,Baseboard,Electric
  • Cooling features: Central Air,Ductless,Electric

Interior Area

  • Total structure area: 2,016
  • Total interior livable area: 1,758 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04151521800140
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Multi/Split,Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch
  • Has view: Yes
  • View description: Bay
  • Has water view: Yes
  • Water view: Bay
  • On waterfront: Yes
  • Waterfront features: Bay
  • Frontage length: Water Frontage Ft: 57

Lot

  • Lot size: 0.40 Acres
  • Features: Fishing Available
  • Lot size dimensions: 1.00 x

Parking

  • Total spaces: 6
  • Parking features: Storage,Garage Door Opener,Garage Faces Front,Attached,Attached Carport,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4
  • Carport: Yes
  • Carport spaces: 1

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 WaveModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Heat Wave
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 $3,008$36,096
Home Insurance *$213$2,556
Property Taxes $641$7,692
Electricity $281$3,374
Total$4,143$49,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,045/yr
40% on housing$124,290/yr
45% on housing$110,480/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

$338This listing

vs Other Active Listings

Avg $/sqft

ZIP 21219$197
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
2026-08-06Listed for sale$595,000

For Sale by Agent

AgentKelly Sipes
BrokerageCummings & Co. Realtors

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