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10902 Baronet Rd, Owings Mills, MD, 21117

4beds
4baths
2,906sqft
$649,900
$224price/sqft
$4,528/moest. monthly cost
$181,120/yrincome needed

About This Home

Discover the rare opportunity to own a private Caves Valley retreat set on 1.63 acres surrounded by mature trees and natural beauty. This exceptional property offers the perfect blend of timeless charm, modern comfort, and peaceful seclusion while remaining conveniently located near Owings Mills amenities, dining, and commuter routes. The current owner thoughtfully enhanced the home with quality upgrades designed for everyday living, including a new HVAC system, new water filtration system, remodeled powder room, and a refreshed kitchen featuring new countertops, backsplash, and additional improvements throughout. Inside, the home offers inviting spaces filled with warmth and character, including generous living areas, a finished lower level, and a layout designed for both relaxed everyday living and effortless entertaining. Step outside and enjoy the tranquility of your private wooded setting, a rare chance to experience the beauty and serenity of nature right at home. For those seeking privacy, convenience, and the opportunity to own a distinctive property in the sought-after Caves Valley area, this home offers a lifestyle unlike anything else on the market.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
14
BikeSomewhat Bikeable

Schools

4/10
3/10
Pikesville Middle SchoolGrades 6-83.6 mi
2/10
Owings Mills High SchoolGrades 9-122.9 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1971

Materials

  • Foundation: Block
  • Roof: Architectural Shingle
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Ice Maker,Freezer,Microwave,Oven,Refrigerator,Washer/Dryer Stacked,Water Conditioner - Owned,Water Heater,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Interior Entry,Exterior Entry,Partially Finished

Bathroom1

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Features

  • Flooring: Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 828
  • Finished area above ground: 2,078

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Central Air,Natural Gas

Interior Area

  • Total structure area: 2,906
  • Total interior livable area: 2,906 sqft

Other

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04030311003486
  • Zoning: RESIDENTIAL
  • Special condition: Standard
  • Exclusions: See Inclusions / Exclusions Form

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.63 Acres

Parking

  • Total spaces: 5
  • Parking features: Asphalt,Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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 $3,286$39,432
Home Insurance *$205$2,460
Property Taxes $667$8,004
Electricity $370$4,442
Total$4,528$54,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,245/yr
40% on housing$135,840/yr
45% on housing$120,746/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

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 21117$203
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21117$206
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
2026-07-27Price change$649,900
2026-07-06Price change$699,900
2026-06-30Listed for sale$715,000
2025-11-04Sold$637,800
2025-10-17Contingent$649,000
2025-10-06Listed for sale$649,000

For Sale by Agent

AgentSophia Marquez
BrokerageCompass

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