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322 E Cecil Ave, North East, MD, 21901

8beds
6baths
2,984sqft
$899,500
$301price/sqft
$6,023/moest. monthly cost
$240,920/yrincome needed

About This Home

This beautifully renovated triplex in North East presents a rare investment opportunity. Located at 322 E. Cecil Ave., the property has been meticulously updated from top to bottom, including all major mechanical systems, appliances, utilities, and interior finishes. It is truly turnkey and ready for immediate occupancy or rental, featuring high-end, durable finishes such as tile and quartz, a brand-new, property-wide fire sprinkler system and a Maryland Lead-Free Certificate. The lower level consists of two separate units, each offering 2 bedrooms, 1.5 bathrooms, a full kitchen, dining area, and living room. One of the lower units has been thoughtfully designed with accessibility features, including a step-free entry ramp, wider doorways, and 36-inch hallways. The upper unit, accessed by a private exterior rear staircase, features 4 bedrooms, 2 full bathrooms, a spacious eat-in kitchen, and a generous living room. Each unit is independently equipped with its own in-unit laundry, dedicated electrical meter/panel, and separate water heater and HVAC systems, providing convenience for tenants and simplified property management. Projected market rents are approximately $2,000 per month for each lower unit and $2,500 per month for the upper unit, generating an estimated gross monthly rental income of $6,500. Please contact the listing agent to learn more about available financing opportunities, including Debt Service Coverage Ratio (DSCR) loans and potential seller financing for qualified buyers.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

2/10
4/10
North East Middle SchoolGrades 6-80.2 mi
3/10
North East High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1920

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Dryer In Unit,Washer In Unit

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2
  • Main level bathrooms: 4
  • Main level bedrooms: 4

Features

  • Flooring: Ceramic Tile
  • Finished area below ground: 0
  • Finished area above ground: 2,984

Heating & Cooling

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

Interior Area

  • Total structure area: 2,984
  • Total interior livable area: 2,984 sqft

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,Accessible Hallway(s),Accessible Doors,No Stairs

Details

  • Parcel number: 0805020883
  • Zoning: UR
  • Special condition: Standard
  • Exclusions: Personal Decor For Staging.

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.38 Acres

Parking

  • Total spaces: 10
  • Parking features: Private,Paved,Parking Lot

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Ice Storm
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 $4,548$54,576
Home Insurance *$276$3,312
Property Taxes $819$9,828
Electricity $380$4,562
Total$6,023$72,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,502/yr
40% on housing$180,690/yr
45% on housing$160,613/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

$301This listing

vs Other Active Listings

Avg $/sqft

ZIP 21901$248
Cecil County$263

vs Homes Sold Last Month

Median $/sqft

ZIP 21901$221
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
2026-07-10Listed for sale$899,500
2024-03-18Sold$270,000

For Sale by Agent

AgentCarolyn Quelly
BrokerageIntegrity Real Estate

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