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169 Providence Rd, Elkton, MD, 21921

3beds
3baths
2,510sqft
$640,000
$255price/sqft
$3,810/moest. monthly cost
$152,400/yrincome needed

About This Home

Welcome home to 169 Providence Road — a private 3-bedroom, 2-bath ranch retreat nestled on 3.29 beautifully open acres in the heart of Cecil County's most sought-after horse country. This is the kind of property that stops you the moment you arrive. No HOA, no crowded subdivision, no compromise — just wide open space, fresh air, and a setting that feels worlds away from the noise of everyday life while still being conveniently close to everything that matters. Inside, the home offers over 2,500 square feet of thoughtfully laid out living space on the main level alone, plus a partially finished lower level that opens up endless possibilities for a rec room, home gym, workshop, or additional living quarters. Wood floors flow through the main living areas, and a second full kitchen adds tremendous versatility — ideal for canning, entertaining large gatherings, or accommodating multi-generational living with ease. The screened porch and deck off the kitchen are where this home truly shines, offering front-row seats to one of the most peaceful views you'll find in Cecil County — neighboring horses grazing lazily across the pasture while you sip your morning coffee. It's the kind of view you never take for granted. The sellers have done the hard work so you don't have to. Every major system has been updated in recent years: roof replaced 5 years ago, windows replaced 5 years ago, HVAC updated 4 years ago, well tank replaced 5 years ago, and water heater replaced just 3 years ago. Move in with confidence knowing the big-ticket items are well behind you and years of worry-free living lie ahead. A side-entry 2-car garage, abundant storage throughout, and a layout that blends comfort with functionality make this home as practical as it is charming. Step outside and the 3.29 acres invite you to make this property entirely your own — space for a garden, space for animals, space to simply breathe. The location is the crown jewel for equestrian enthusiasts and nature lovers alike. You're just minutes from Fair Hill Natural Resources Management Area, home to hundreds of miles of scenic trails and the world-renowned Maryland 5 Star, one of the most prestigious equestrian competitions in the country. Quick access to the Pennsylvania state line and the University of Delaware rounds out a location that truly delivers on all fronts. Properties combining this much acreage, this many updates, horse country living, and a location this close to Fair Hill are rare finds in today's market. Come experience 169 Providence Road for yourself — and prepare to never want to leave.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

4/10
Kenmore Elementary SchoolGrades PK-51.6 mi
5/10
6/10
Rising Sun High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Refrigerator,Range Hood,Water Heater,Cooktop,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Other

Bathroom3

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • 2nd Kitchen,Ceiling Fan(s),Combination Kitchen/Dining,Entry Level Bedroom
  • Flooring: Hardwood,Carpet,Wood
  • Fireplace features: Pellet Stove,Wood Burning Stove
  • Finished area below ground: 0
  • Finished area above ground: 2,510

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 5,020
  • Total interior livable area: 2,510 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Screened Porch

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0804008707
  • Zoning: RR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck,Porch,Screened,Screened Porch
  • Fencing: Partial
  • Has view: Yes
  • View description: Garden

Lot

  • Lot size: 3.29 Acres
  • Features: Rural

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Inside Entrance,Asphalt,Attached,Driveway
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Drought
Heat Wave
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 $3,236$38,832
Home Insurance *$248$2,976
Property Taxes $7$84
Electricity $319$3,837
Total$3,810$45,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,628/yr
40% on housing$114,300/yr
45% on housing$101,600/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 21921$176
Cecil County$263

vs Homes Sold Last Month

Median $/sqft

ZIP 21921$182
Cecil County$198

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
2026-05-09Listed for sale$648,500
2025-12-02Listing removed$659,000
2025-09-29Listed for sale$659,000
2021-03-24Listing removed--
2019-02-25Listing removed$345,000
2019-02-24Price change$345,000
2018-08-31Listed for sale$335,000
2018-04-22Listing removed$336,000
2017-11-05Price change$336,000
2017-09-28Price change$336,500
2017-08-08Price change$338,500
2017-06-20Price change$340,000
2017-05-22Price change$346,000
2017-04-15Price change$350,000
2017-04-06Price change$355,000
2017-03-09Price change$370,000
2017-01-16Price change$369,000
2016-12-19Price change$370,000
2016-11-22Price change$370,500
2016-10-29Listed for sale$375,500
2015-01-04Listing removed$370,500
2014-08-12Price change$370,500
2014-07-08Price change$365,500
2014-03-14Price change$367,500
2013-12-08Listed for sale$369,900
2005-06-27Sold$339,900
2004-07-26Sold$450,000

For Sale by Agent

AgentChris Kotula
BrokerageRealty Plus Associates

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