See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

22040 Main St, Hillsboro, MD, 21641

4beds
2baths
2,276sqft
$350,000
$154price/sqft
$2,646/moest. monthly cost
$105,840/yrincome needed

About This Home

OFFER DEADLINE- please submit all highest and best offers by 5:30 pm on 8/4. Welcome to this stunning Victorian gem built in 1900, gracefully resting on three combined lots totaling .76 acres of mature, beautifully planted grounds. From the moment you arrive, the home's presence is unmistakable; a sweeping wrap-around front porch invites you in, while a fully enclosed back porch offers a quiet retreat overlooking the private backyard. Step inside to discover soaring high ceilings and generously proportioned rooms that speak to a bygone era of craftsmanship. Original hardwood floors, pocket doors, and period fixtures and hardware remain lovingly preserved throughout, offering that rare, authentic character today's buyers dream of. Two separate staircases lead to the second floor, where you'll find four spacious bedrooms and a beautifully updated full bathroom. The home has been thoughtfully modernized where it counts most- a stylishly updated kitchen anchors the main level, complemented by a fully updated main-floor bathroom, so timeless charm meets everyday comfort. Recent mechanical updates provide additional peace of mind, including new heat pumps installed in 2020 and 2021, a new roof in 2022, chimney repairs completed in 2022, new washer and dryer in 2025 and a new pressure tank in 2026. Outdoor space is just as impressive as the home itself. The grounds include two outbuildings- a small horse barn with stall and a versatile storage shed with workshop area- along with an expansive 5-bay garage/shop, perfect for cars, boats, hobbies, or storage of every kind. This is a rare opportunity to own a true piece of history, thoughtfully updated for modern living, on nearly three-quarters of an acre of storybook grounds. Homes with this much land, character, and versatility simply don't come along often. Welcome home.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
Ridgely Elementary SchoolGrades PK-54.0 mi
4/10
Lockerman Middle SchoolGrades 6-86.4 mi
4/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Crawl Space
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Concrete,Interior Entry

Bedrooms & Bathrooms

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

Features

  • Additional Stairway,Bathroom - Tub Shower,Ceiling Fan(s),Dining Area,Floor Plan - Traditional,Formal/Separate Dining Room,Kitchen - Country
  • Flooring: Wood
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,276

Heating & Cooling

  • Heating features: Heat Pump,Zoned,Radiator,Electric,Oil
  • Cooling features: Heat Pump,Electric

Interior Area

  • Total structure area: 2,276
  • Total interior livable area: 2,276 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0606008771
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Porch,Wrap Around

Lot

  • Lot size: 0.78 Acres

Parking

  • Total spaces: 10
  • Parking features: Storage,Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Coastal Flooding
Cold Wave
Drought
Hurricane
Winter Weather
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 $1,769$21,228
Home Insurance *$189$2,268
Property Taxes $399$4,788
Electricity $289$3,479
Total$2,646$31,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,720/yr
40% on housing$79,380/yr
45% on housing$70,560/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 21641
Caroline County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 21641
Caroline County$201

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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$350,000
2026-07-29Listed for sale$350,000
2025-02-13Sold$305,000
2025-01-20Listing removed$310,000
2024-11-15Listed for sale$310,000

For Sale by Agent

AgentKatie Moore
BrokerageEngel & Volkers Annapolis

Similar Homes