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77 Seminary Farm Rd, Lutherville Timonium, MD, 21093

3beds
5baths
5,322sqft
$1,195,000
$225price/sqft
$8,201/moest. monthly cost
$328,040/yrincome needed

About This Home

This architecturally distinctive home presents an exceptional opportunity to own a unique spacious home in one of Lutherville’s most sought-after communities. Beautifully positioned on a professionally landscaped corner lot, this custom-designed home has been lovingly maintained by its original owners for more than 30 years and is ready for its next chapter. Offering approximately 6,300 total square feet, including 4,522 square feet above grade and approximately 800 finished square feet on the lower level, the home features an outstanding floor plan with soaring ceilings in the living room and dining room area, with expansive living spaces, and incredible flexibility. The main level is highlighted by a spacious first-floor primary suite featuring a large en-suite bath and two walk-in closets. The dramatic two-story living and dining room area showcases a stunning floor-to-ceiling stone fireplace, while the oversized family room, eat-in kitchen, mudroom, and laundry room provide exceptional everyday living. Two additional unfinished rooms on the main level offer endless possibilities for a fourth bedroom, private guest suite, home office, fitness room, studio, or other customized living space. The upper level offers two bedrooms, two full bathrooms, and abundant storage. The finished lower level adds approximately 800 square feet of additional living space, complete with a half bath, plus extensive storage and utility rooms. Additional highlights include an attached two-car garage and a four-zone HVAC system, three of which were replaced in 2022 and one in approximately 2018. With exceptional scale, timeless architecture, and unlimited potential to personalize and update, this is a rare opportunity to create a truly spectacular home in a premier Lutherville location and community.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

9/10
7/10
Ridgely Middle SchoolGrades 6-82.6 mi
8/10
Dulaney High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Heated,Partially Finished

Bathroom1

  • Level: Upper

Bathroom2

  • Level: Upper

Bathroom2

  • Level: Upper

Bedroom1

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Family Room

  • Level: Main

Features

  • Breakfast Area,Built-in Features,Butlers Pantry,Ceiling Fan(s),Combination Dining/Living,Combination Kitchen/Dining,Dining Area,Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Kitchen Island,Pantry,Walk-In Closet(s)
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Stone
  • Fireplace: Yes
  • Finished area below ground: 800
  • Finished area above ground: 4,522

Heating & Cooling

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

Interior Area

  • Total structure area: 6,380
  • Total interior livable area: 5,322 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Recreation Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04081900006673
  • Zoning: R
  • Special condition: Standard

Features

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

Lot

  • Lot size: 0.55 Acres
  • Lot size dimensions: 1.00 x

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Asphalt,Attached
  • 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
  • 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 $6,042$72,504
Home Insurance *$447$5,364
Property Taxes $1,034$12,408
Electricity $678$8,136
Total$8,201$98,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$281,177/yr
40% on housing$246,030/yr
45% on housing$218,693/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

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 21093$217
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21093$235
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
2026-08-11Price change$1,095,000
2026-07-14Listed for sale$1,195,000
1998-02-11Sold$460,000

For Sale by Agent

AgentJane Bourgeois
BrokerageMonument Sotheby's International Realty

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