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44 Helmsman Ct, Baltimore, MD, 21221

2beds
3baths
1,410sqft
$379,999
$270price/sqft
$2,873/moest. monthly cost
$114,920/yrincome needed

About This Home

Waterfront living on Hopkins Creek! This beautifully maintained 2-bedroom, 2.5-bath home offers inviting living spaces, serene water views, and thoughtful updates throughout. The open-concept main level features abundant natural light and a spacious kitchen with generous cabinetry and counter space. Glass doors open to the rear deck, creating a seamless transition outdoors and the perfect setting to enjoy peaceful views of the creek. Upstairs, you'll find two comfortable bedrooms and a full bath. The finished lower level expands the living space with a bar, full bath, and walkout access to the backyard patio. Outside, enjoy a landscaped waterfront setting leading to a private pier and boat slip—ideal for making the most of life on the water. Tucked within a private community yet convenient to shopping, dining, everyday amenities, and major commuter routes, this home offers a wonderful combination of waterfront living and convenience.

Getting Around

53
WalkingSomewhat Walkable
49
TransitSome Transit
30
BikeSomewhat Bikeable

Schools

4/10
4/10
Deep Creek Middle SchoolGrades 6-81.6 mi
3/10
Chesapeake High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Other
  • Construction materials: Other

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Level: Lower
  • Area: 672
  • Dimensions: 28 X 24

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom1

  • Level: Main
  • Area: 16
  • Dimensions: 4 X 4

Bedroom2

  • Level: Upper
  • Area: 130
  • Dimensions: 13 X 10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 108
  • Dimensions: 12 X 9

Features

  • Flooring: Carpet,Ceramic Tile,Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 260
  • Finished area above ground: 1,150

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,700
  • Total interior livable area: 1,410 sqft

Kitchen

  • Level: Main
  • Area: 144
  • Dimensions: 16 X 9

Laundry

  • Level: Lower
  • Area: 80
  • Dimensions: 5 X 16

Living Room

  • Level: Main
  • Area: 120
  • Dimensions: 12 X 10

Other

  • Level: Upper
  • Area: 25
  • Dimensions: 5 X 5

Other

  • Level: Lower
  • Area: 126
  • Dimensions: 14 X 9

Primary Bedroom

  • Level: Upper
  • Area: 280
  • Dimensions: 20 X 14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04151700007674
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck,Patio

Lot

  • Lot size: 1,152 sqft

Parking

  • Total spaces: 2
  • Parking features: Parking Lot

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
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Winter Weather
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 $1,921$23,052
Home Insurance *$141$1,692
Property Taxes $530$6,360
Electricity $281$3,374
Total$2,873$34,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,502/yr
40% on housing$86,190/yr
45% on housing$76,613/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

$270This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-18Price change$334,900
2026-07-14Listed for sale$379,999
2007-07-31Sold$257,000
2000-07-21Sold$128,400

For Sale by Agent

AgentHannah Butler
BrokerageEXP Realty, LLC

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