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520 Bell Manor Rd, Conowingo, MD, 21918

4beds
3baths
3,448sqft
$780,000
$226price/sqft
$5,442/moest. monthly cost
$217,680/yrincome needed

About This Home

***IT IS SUBDIVIDABLE *** **Welcome to a slice of historic ,rustic paradise nestled in nature's embrace! This sprawling 9.23-acre property is an adventurer's dream, offering a unique blend of history, potential, and natural beauty. A total of 3 homes on this property. The property has a rich history of roots that go back to the civil war and sits up against the girl scouts retreat for Cecil County. **The main farmhouse, has 3 bedrooms and 3 baths, carries the charm of yesteryears but is ripe for a modern transformation. With an expansive basement that could easily be converted into a cozy apartment, it has a kitchen, bathroom, and private entrance already. The possibilities are as vast as the surrounding wilderness. **In addition to the farmhouse, there's another 2-bedroom, 1-bath, house awaiting restoration after a roof leak. While it needs some TLC, this second dwelling holds its own historic allure. **For those seeking comfort and convenience, a well-maintained 2-bedroom, 2-bath mobile home stands on concrete footers, offering a cozy retreat amidst the natural splendor. **Imagine waking up to the sounds of wildlife, surrounded by trees and open skies. This property, approved for subdivision, presents a canvas for your imagination. Whether you envision a revitalized farmstead, a private retreat, or a haven for outdoor enthusiasts, this land beckons to be cherished and revitalized. **Seize this opportunity to embrace the rustic allure, unlock the hidden potential, and write the next chapter in this land's storied history. Discover the magic of country living with a touch of nostalgia and endless possibilities!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

7/10
8/10
Rising Sun Middle SchoolGrades 6-87.1 mi
6/10
Rising Sun High SchoolGrades 9-1212.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle,Other
  • Construction materials: Block,Cedar,Concrete,CPVC/PVC,Frame,Galvanized Plumbing,Masonry,Rough-In Plumbing,Stucco

Notable Dates

  • Major remodel year: 1960

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse/National Folk
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Extra Refrigerator/Freezer,ENERGY STAR Qualified Refrigerator,Microwave,Cooktop,Washer,Water Heater,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Other

Bedroom1

  • Features: Flooring - Carpet
  • Level: Upper

Bedroom2

  • Features: Flooring - Carpet
  • Level: Upper

Bedroom3

  • Features: Flooring - Carpet
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1

Features

  • 2nd Kitchen,Combination Dining/Living,Combination Kitchen/Dining,Eat-in Kitchen,Studio
  • Window features: Double Pane Windows
  • Flooring: Carpet,Concrete,Laminate
  • Fireplace features: Wood Burning Stove
  • Finished area below ground: 0
  • Finished area above ground: 3,448

Heating & Cooling

  • Heating features: Wood Stove,Propane
  • Cooling features: Window Unit(s),Central Air,Electric

Interior Area

  • Total structure area: 4,202
  • Total interior livable area: 3,448 sqft

Kitchen

  • Features: Flooring - Vinyl
  • Level: Main

Living Room

  • Features: Flooring - Carpet
  • Level: Main

Sitting Room

  • Features: Flooring - Carpet
  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0808007373
  • Zoning: NAR
  • Special condition: Standard
  • Other equipment: Negotiable
  • Exclusions: Lawn Mower,Furniture,Freezer

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Porch,Deck
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 9.29 Acres
  • Features: Backs to Trees,Front Yard,Private,Rear Yard,Rural,Secluded,SideYard(s),Wooded

Parking

  • Parking features: Gravel,Driveway
  • 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
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
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 $3,944$47,328
Home Insurance *$335$4,020
Property Taxes $724$8,688
Electricity $439$5,271
Total$5,442$65,304
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,582/yr
40% on housing$163,260/yr
45% on housing$145,120/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

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 21918$168
Cecil County$264

vs Homes Sold Last Month

Median $/sqft

ZIP 21918$172
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
2025-09-16Listed for sale$780,000
2025-03-31Listing removed$795,000
2024-06-12Listed for sale$795,000
2024-05-29Listing removed--
2024-04-26Listed for sale$800,000
2023-07-25Listing removed$860,000
2023-02-21Listed for sale$860,000
2011-11-20Listing removed$399,900
2010-11-23Price change$399,900
2010-07-24Price change$410,000
2010-04-24Listed for sale$425,000
2009-09-20Listing removed$490,000
2008-10-15Listed for sale$490,000
2008-07-27Listing removed$750,000
2008-03-12Listed for sale$750,000

For Sale by Agent

AgentMichael Segarra
BrokerageCore Partners Realty LLC

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