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532 Riviera Dr APT B, Joppa, MD, 21085

3beds
2baths
1,438sqft
$325,000
$226price/sqft
$2,325/moest. monthly cost
$93,000/yrincome needed

About This Home

Experience the epitome of waterfront elegance in this stunning, meticulously renovated 1,439 sq. ft. second-floor residence. Strategically positioned to offer a breathtaking panoramic view of the widest expanse of the harbor, this home provides a “front-row seat” to the most spectacular water vistas in the community. Step across seamless, rich hardwood flooring that gracefully flows throughout every square inch of the home, including the walk-in storage room. The residence has been thoughtfully reimagined with a designer’s eye, featuring a contemporary kitchen and two fully modernized bathrooms. The layout is optimized for both daily living and effortless entertaining. Bathed in natural light, the open-concept living area draws your gaze directly to the shimmering harbor through expansive windows. Two additional full, high-end bathrooms are designed with a clean, modern aesthetic and luxurious appointments. This is more than just a home; it’s a gateway to the water. A private boat slip conveniently connects your living room to the open water, allowing you to embark on your water adventures in minutes. Enjoy the peace of mind that comes with assigned parking and a serene, quiet neighborhood atmosphere, complemented by ample open parking. Rarely does a unit of this caliber, with its specific harbor vantage point, become available. Schedule your private tour today to witness the sunset over the water from the comfort of your own living room.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

2/10
4/10
Magnolia Middle SchoolGrades 6-81.2 mi
4/10
Joppatowne High SchoolGrades 9-120.4 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1979

Materials

  • Construction materials: Stone,Vinyl Siding

Type & Style

  • Home type: Condo
  • Architectural style: Other
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Intercom,Microwave,Refrigerator,Oven/Range - Electric,Washer,Disposal,Electric Water Heater
  • Laundry features: Washer In Unit,Dryer In Unit,In Unit

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Breakfast Area,Dining Area,Primary Bath(s),Upgraded Countertops
  • Door features: Sliding Glass
  • Window features: Window Treatments
  • Flooring: Wood,Ceramic Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,438

Heating & Cooling

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

Interior Area

  • Total structure area: 1,438
  • Total interior livable area: 1,438 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1301143964
  • Attached to another structure: Yes
  • Zoning: R4
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Fishing Allowed,Canoe/Kayak,Boat - Powered,Personal Watercraft (PWC),Canal
  • Frontage length: Water Frontage Ft: 75

Parking

  • Total spaces: 1
  • Parking features: Assigned,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

  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Lightning
Winter Weather
Cold Wave
Strong Wind
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 $1,643$19,716
Home Insurance *$113$1,356
Property Taxes $288$3,456
Electricity $281$3,374
Total$2,325$27,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,714/yr
40% on housing$69,750/yr
45% on housing$62,000/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

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 21085$182
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
2026-04-17Listed for rent$2,500
2026-03-11Listed for sale$325,000
2025-07-16Listing removed$299,900
2025-06-09Price change$299,900
2025-06-03Price change$320,000
2025-05-27Price change$325,000
2025-05-21Price change$330,000
2025-05-18Price change$340,000
2025-03-20Listed for sale$355,000
2005-08-31Sold$290,000
2005-06-15Sold$245,000
2004-11-10Sold$235,000

For Sale by Agent

AgentHANG YANG
BrokerageMulan Realty, Corp

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