Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1320 Malbay Dr, Lutherville Timonium, MD, 21093

3beds
2baths
1,972sqft
$460,000
$233price/sqft
$3,297/moest. monthly cost
$131,880/yrincome needed

About This Home

3 Bedroom 1/1 Bathroom, one car Garage Attached Split level home in, Malbay Drive, Wood floors thru out, Fenced yard, Porch and a nice patio, 3 Levels, close to Chopping centers. Needs Update, selling "As is Make this house your dream home.

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

7/10
Lutherville LaboratoryGrades K-50.6 mi
7/10
Ridgely Middle SchoolGrades 6-80.9 mi
9/10

Construction

Condition

  • Year built: 1956

Materials

  • Foundation: Other
  • Construction materials: Block,Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,972

Heating & Cooling

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

Interior Area

  • Total structure area: 1,972
  • Total interior livable area: 1,972 sqft

Property

Accessibility

  • Accessibility features: Accessible Doors

Details

  • Parcel number: 04090914100920
  • Zoning: RESIDENTIAL
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Levels: Multi/Split,Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 7,455 sqft
  • Lot size dimensions: 1.00 x

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $2,326$27,912
Home Insurance *$172$2,064
Property Taxes $518$6,216
Electricity $281$3,374
Total$3,297$39,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,040/yr
40% on housing$98,910/yr
45% on housing$87,920/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

$233This 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
2026-07-31Listed for sale$460,000
2009-08-04Sold$290,000

For Sale by Agent

AgentSilma Ruano
BrokerageBerkshire Hathaway HomeServices Homesale Realty

Similar Homes