3321 Old Westminster Pike, Finksburg, MD, 21048
About This Home
Coming Soon! Affordable Cape Cod on Half+ Acre! Your next chapter starts here. Nestled off Rt. 140 at the edge of Carroll & Baltimore County, this charming 3-bedroom, 2-bath Cape Cod is affordable, full of potential, and sitting on just over a half-acre to make your very own! New Roof ('24) & HVAC ('25)! Location doesn't get more convenient than this. You're minutes from the shops, restaurants, and everyday amenities of Finksburg, Reisterstown, Hampstead, and Owings Mills with a commuter-friendly straight shot to Baltimore. Whether you're heading to the office or the weekend farmers market, everything you need is right within reach. Inside, natural light pours through a comfortable, flexible layout that's ready to grow with you. A first-floor bedroom offers instant versatility, use it as a home office, a guest room, or main-level living for anyone who prefers to keep life on one floor. This is a home you can move into today and make truly yours over time, building equity with every personal touch you add. Step outside and breathe. The expansive half-acre+ yard is your blank canvas. Fire up the grill for weekend entertaining, carve out a garden, let the pets roam, or simply enjoy the kind of outdoor space that's getting harder to find at this price point. A detached garage rounds it all out with extra storage and everyday convenience. Come take a look!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Good
- Year built: 1941
Materials
- Foundation: Block
- Roof: Architectural Shingle
- Construction materials: Vinyl Siding,Block
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Washer,Cooktop,Oven/Range - Electric,Refrigerator,Ice Maker,Gas Water Heater,Water Heater
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,Unfinished,Walk-Out Access
Bedroom1
- Level: Main
Bedroom2
- Level: Upper
Bedroom3
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: Main
Features
- Dining Area,Eat-in Kitchen,Dry Wall
- Window features: Double Pane Windows
- Flooring: Hardwood,Laminate,Carpet
- Finished area below ground: 0
- Finished area above ground: 1,128
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 1,752
- Total interior livable area: 1,128 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Other
- Level: Main
Other
- Level: Upper
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 0704015797
- Zoning: R-100
- Special condition: Standard
Features
- Levels: Three
- Stories: 3
- Pool features: None
- Fencing: Partial,Board
Lot
- Lot size: 0.52 Acres
Parking
- Total spaces: 7
- Parking features: Garage Faces Front,Crushed Stone,Private,Off Street,Detached,Driveway
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- 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
- Winter Weather
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,795 | $21,540 |
| Home Insurance * | $114 | $1,368 |
| Property Taxes | $278 | $3,336 |
| Electricity | $281 | $3,374 |
| Total | $2,468 | $29,616 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2009-07-29 | Sold | $195,000 |
| 2009-04-11 | Listing removed | $199,900 |
| 2009-02-25 | Listed for sale | $199,900 |
| 2008-09-22 | Sold | $220,500 |
| 1999-02-11 | Sold | $119,000 |
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