See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

3912 Wards Chapel Rd, Marriottsville, MD, 21104

3beds
2baths
1,235sqft
$100,000
$81price/sqft
$923/moest. monthly cost
$36,920/yrincome needed

About This Home

REAL ESTATE AUCTION featuring ON SITE and SIMULCAST ONLINE BIDDING!! Online Bidding Opens - Monday, August 24, 2026. Live On Site Auction - Tuesday, August 25, 2026 at 11:00 AM. List price is opening bid only. 3912 Wards Chapel Road is located in the Marriottsville area of western Baltimore County, south of Liberty Road and east of Liberty Reservoir. The surrounding area is scenic and rural. Shopping, dining and community services are conveniently nearby in Eldersburg, Owings Mills and Randallstown. The home is reasonably close to I-795 and I-70, providing easy access to area employment centers.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

6/10
3/10
4/10
New Town High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Block
  • Roof: Asphalt,Shingle
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Oven/Range - Electric,Refrigerator,Water Heater

Basement

  • Features: Basement - Unfinished
  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom1

  • Level: Main

Bedroom2

  • Features: Ceiling Fan(s),Flooring - HardWood,Flooring - Carpet
  • Level: Upper

Bedroom3

  • Features: Ceiling Fan(s),Flooring - Carpet,Flooring - HardWood
  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Features: Ceiling Fan(s),Flooring - HardWood
  • Level: Main

Features

  • Entry Level Bedroom,Eat-in Kitchen
  • Window features: Double Hung,Wood Frames
  • Flooring: Carpet,Hardwood,Vinyl,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,235

Half Bath

  • Level: Lower

Heating & Cooling

  • Heating features: Hot Water,Radiator,Oil
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 2,082
  • Total interior livable area: 1,235 sqft

Kitchen

  • Features: Flooring - Vinyl,Eat-in Kitchen,Kitchen - Electric Cooking
  • Level: Main

Living Room

  • Features: Ceiling Fan(s),Flooring - HardWood
  • Level: Main

Primary Bedroom

  • Features: Ceiling Fan(s),Flooring - HardWood
  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04022200002711
  • Zoning: RC2
  • Special condition: Auction

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 1.30 Acres
  • Lot size dimensions: 2.00 x

Parking

  • Total spaces: 4
  • Parking features: Off Street

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

  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Heat Wave
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 $505$6,060
Home Insurance *$32$384
Property Taxes $105$1,260
Electricity $281$3,374
Total$923$11,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,645/yr
40% on housing$27,690/yr
45% on housing$24,613/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

$81This listing

vs Other Active Listings

Avg $/sqft

ZIP 21104$255
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21104$237
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

No price history available

Unknown Listed By

AgentDaniel Billig
BrokerageA.J. Billig & Company

Similar Homes