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108 Fort Hoyle Rd, Joppa, MD, 21085

4beds
1baths
1,484sqft
$200,000
$135price/sqft
$1,546/moest. monthly cost
$61,840/yrincome needed

About This Home

INVESTORS & REHABBERS...OPPORTUNITY IS KNOCKING! Bring your vision and your renovation plans to this spacious 4-bedroom rancher situated on approximately ½ acre with plenty of potential inside and out. This estate sale offers a surprisingly generous layout featuring a large eat-in kitchen, oversized dining room, spacious living room, four bedrooms, and an unfinished basement providing additional storage and future possibilities. Outside, you'll find even more to work with — a screened-in front porch, rear deck, above-ground pool, storage shed, and a sizable yard with room to reimagine the outdoor space. The property is being sold strictly AS-IS, and the seller will make no repairs. This is an ideal opportunity for an investor, rehabber, contractor, or buyer looking for a property they can renovate and make their own. Priced and positioned for action. Bring your contractor, bring your ideas, and bring your best offer.! Opportunities like this are all about potential, and this one has plenty of it!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

6/10
4/10
Magnolia Middle SchoolGrades 6-80.3 mi
4/10
Joppatowne High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Below Average
  • Year built: 1964

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Block,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Exterior Entry,Rough Bath Plumb,Shelving,Unfinished,Walk-Out Access,Workshop

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,484

Heating & Cooling

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

Interior Area

  • Total structure area: 2,788
  • Total interior livable area: 1,484 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Screened Porch

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1301038958
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Above Ground,Private
  • Patio & porch: Screened Porch

Lot

  • Lot size: 0.50 Acres
  • Features: Backs to Trees

Parking

  • Parking features: 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

  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
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 $1,011$12,132
Home Insurance *$70$840
Property Taxes $184$2,208
Electricity $281$3,374
Total$1,546$18,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,005/yr
40% on housing$46,380/yr
45% on housing$41,226/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 21085$183
Harford County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 21085$196
Harford County$207

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
2026-08-16Listed for sale$200,000
1983-04-20Sold$30,000

For Sale by Agent

AgentJennifer Fitze
BrokerageCompass

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