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109 Cross Keys Rd #R109f, Baltimore, MD, 21210

1beds
1baths
821sqft
$189,900
$231price/sqft
$1,680/moest. monthly cost
$67,200/yrincome needed

About This Home

Rare opportunity to own a top-floor condominium in a beautiful park-like setting with tranquil tree views. This bright and inviting home features an updated kitchen and bathroom, hardwood floors, a private balcony, and the convenience of an in-unit washer and dryer. Additional storage is included, along with deeded covered parking located directly beneath the building, providing protection from rain and snow year-round. Residents enjoy exceptional community amenities, including swimming pools, tennis courts, scenic walking trails, and a charming village atmosphere with nearby cafés and shops. A perfect combination of comfort, convenience, and lifestyle.

Getting Around

68
WalkingSomewhat Walkable
60
TransitGood Transit
30
BikeSomewhat Bikeable

Schools

10/10
5/10
Western High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1970

Materials

  • Construction materials: Brick,Combination

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Microwave,Oven/Range - Gas,Gas Water Heater
  • Laundry features: In Unit

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Breakfast Area,Open Floorplan
  • Flooring: Wood
  • Finished area above ground: 821

Heating & Cooling

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

Interior Area

  • Total structure area: 821
  • Total interior livable area: 821 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0327164778E436
  • Attached to another structure: Yes
  • Zoning: R-6
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Private

Parking

  • Total spaces: 1
  • Parking features: Parking Space Conveys,Attached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport 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

How This Home’s Risks Compare

Heat Wave

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 $960$11,520
Home Insurance *$87$1,044
Property Taxes $352$4,224
Electricity $281$3,374
Total$1,680$20,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,600/yr
40% on housing$50,400/yr
45% on housing$44,800/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

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 21210$221
Baltimore City$102

vs Homes Sold Last Month

Median $/sqft

ZIP 21210$262
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
2026-08-03Listed for sale$189,900
2017-05-05Listing removed$114,900
2017-03-25Pending sale$114,900
2017-03-10Price change$114,900
2016-11-29Price change$119,900
2016-10-22Price change$124,900
2016-09-02Price change$129,900
2016-07-26Listed for sale$135,000

For Sale by Agent

AgentShelley Walter
BrokerageColdwell Banker Realty

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