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427 Shore Dr, Joppa, MD, 21085

5beds
5baths
6,072sqft
$1,285,000
$212price/sqft
$8,860/moest. monthly cost
$354,400/yrincome needed

About This Home

Nestled in the highly sought-after Taylor’s Pointe community of Joppatowne, this exceptional Colonial offers over 6,000 square feet of beautifully maintained living space, perfectly blending timeless elegance with modern comfort. Featuring 5 spacious bedrooms and 4.5 bathrooms, this home provides ample room for both everyday living and entertaining. The five gas fireplaces add warmth and character throughout the home. A grand two-story foyer creates an impressive first impression and sets the tone for the home’s sophisticated design. The open and functional layout flows seamlessly into the heart of the home, a gourmet kitchen equipped with new stainless-steel appliances, including a built-in microwave, downdraft cooktop, and wall oven. Thoughtfully designed for both convenience and style, the kitchen opens to the dining and living areas, making it ideal for gatherings. A wet/dry bar further enhances the home’s entertaining capabilities. Wood flooring and well-appointed finishes throughout add warmth and character. The expansive primary suite serves as a private retreat, complete with a generous walk-in closet and a spa-inspired en suite bathroom designed for relaxation. Additional bedrooms are generously sized, offering flexibility for guests, home office space, or multi-generational living. The fully finished basement with outside access provides endless possibilities—perfect for a recreation room, media space, gym, or guest suite. Step outside to your own private waterfront oasis. With approximately 50 feet of frontage along the scenic Gunpowder River, this property offers tranquil views and direct water access. The private composite dock is ideal for boating, fishing, or simply enjoying the peaceful surroundings. Whether hosting gatherings or unwinding at the end of the day, the outdoor space delivers a true waterfront lifestyle experience. Recent updates include new kitchen appliances, a new roof, and a new HVAC system, offering added value and peace of mind. Additional features include a 2-car attached garage with interior access and a concrete driveway offering ample parking for guests. This remarkable property combines space, location, and lifestyle in one of Joppatowne’s premier waterfront communities. Don’t miss the opportunity to make this exceptional home your own.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

2/10
4/10
Magnolia Middle SchoolGrades 6-81.3 mi
4/10
Joppatowne High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Permanent
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Down Draft,Dishwasher,Disposal,Dryer,Ice Maker,Oven,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Full,Finished,Exterior Entry,Rear Entrance,Sump Pump,Walk-Out Access

Bathroom1

  • Level: Upper

Bathroom1

  • Level: Lower

Bathroom2

  • Level: Upper

Bathroom3

  • Level: Upper

Bedroom1

  • Level: Upper

Bedroom1

  • Level: Lower

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s),Combination Kitchen/Dining,Eat-in Kitchen,Walk-In Closet(s),Bar,Butlers Pantry,Dining Area,Open Floorplan,Kitchen Island,Primary Bath(s)
  • Flooring: Carpet,Hardwood,Vinyl,Ceramic Tile,Wood
  • Number of fireplaces: 5
  • Fireplace features: Gas/Propane
  • Fireplace: Yes
  • Finished area below ground: 1,900
  • Finished area above ground: 4,172

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 6,578
  • Total interior livable area: 6,072 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1301321781
  • Zoning: R3 R4
  • Special condition: Standard
  • Other equipment: Intercom

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck
  • Fencing: Aluminum
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,River
  • Waterbody name: Gunpowder
  • Frontage length: Water Frontage Ft: 50

Lot

  • Lot size: 0.32 Acres

Parking

  • Total spaces: 6
  • Parking features: Storage,Garage Faces Side,Garage Door Opener,Inside Entrance,Concrete,Attached,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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 $6,497$77,964
Home Insurance *$449$5,388
Property Taxes $1,141$13,692
Electricity $773$9,283
Total$8,860$106,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$303,771/yr
40% on housing$265,800/yr
45% on housing$236,266/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

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 21085$180
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
2026-04-21Price change$1,425,000
2026-04-14Listed for sale$1,500,000
2016-04-18Sold$546,000
2015-08-26Listing removed$400,000
2015-07-21Listed for sale$400,000
2002-10-04Sold$179,000

For Sale by Agent

AgentJennifer Friedel
BrokerageRE/MAX Components

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