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45 S Morley St, Baltimore, MD, 21229

2beds
1baths
1,176sqft
$79,900
$68price/sqft
$875/moest. monthly cost
$35,000/yrincome needed

About This Home

pictures are old and new

Getting Around

72
WalkingVery Walkable
60
TransitGood Transit
40
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Other
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 588

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,176

Heating & Cooling

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

Interior Area

  • Total structure area: 1,764
  • Total interior livable area: 1,176 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0320192243C039A
  • Zoning: R-6
  • Special condition: Standard

Features

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

Parking

  • Parking features: On Street
  • 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 WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Winter Weather

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 $404$4,848
Home Insurance *$34$408
Property Taxes $156$1,872
Electricity $281$3,374
Total$875$10,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,000/yr
40% on housing$26,250/yr
45% on housing$23,333/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$68This listing

vs Other Active Listings

Avg $/sqft

ZIP 21229$94
Baltimore City$102

vs Homes Sold Last Month

Median $/sqft

ZIP 21229$197
Baltimore City$168

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
2026-05-26Listed for sale$79,900
2023-08-17Listing removed--
2023-05-05Price change$115,000
2023-02-03Price change$125,000
2023-01-19Price change$130,000
2022-11-18Price change$135,000
2022-11-04Listed for sale$140,000
2021-09-17Listing removed--
2021-08-31Listed for sale$160,000
2020-05-14Listing removed$1,050
2020-04-11Listed for rent$1,050
2019-06-24Sold$1,500
2018-11-01Sold$27,000
2013-12-07Listing removed$51,990
2013-12-05Listed for sale$51,990
2008-05-23Listing removed$79,900
2008-03-05Listed for sale$79,900

For Sale by Agent

AgentBob Simon
BrokerageLong & Foster Real Estate, Inc.

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