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203 N Earlton Rd, Havre De Grace, MD, 21078

5beds
4baths
3,000sqft
$875,000
$292price/sqft
$5,809/moest. monthly cost
$232,360/yrincome needed

About This Home

Private country estate, spacious living retreat with all the amenities of your own resort tucked away on just shy of 14 Acres 2 LOTS of combined woods and cleared acreage. HOME WARRANTY ADD ONS TO INCLUDE WELL PUMP, SEPTIC PUMP AND POOL COVERAGE. NOTE DO NOT COME UNATTENDED TO SEE THIS HOME WITH OUT AN APPOINTMENT AND PERMISSION TO ENTER ONTO THE DRIVEWAY AND PROPERTY. ONE OWNER IS LICENSED MARYLAND REAL ESTATE BROKER. There is so much to say about this home the details are everywhere inside and out are amazing and just cannot all be listed. If you enjoy hunting, nature watching, riding horses why not keep them right here on the property. This 4 BR 3.5 BA, 3 car garage with finished bonus room above the garage with separate stairway and entrance. 3 Fireplaces. 9 ft first floor walls/ceiling and garage/ basement, 8 ft 2nd story walls. The views from this fully wrapped front porch are stunning. Porch offers 2 ceiling fans and extra wide entry steps. 2 story open foyer and family room with loft overlooking both. Exposed beams, 3 columns, foyer circle top window. Solid Oak steps that lead to the 2nd story bedrooms, baths and loft. 1st floor large primary MBR with French style door to the deck and hot tub. Walk in closet with built ins. Propane fireplace with mantel and marble floor surround. Full MBA attached to the BR with stand up marble shower, marble seat, separate oversized soaking tub. MBA with full circle top window above tub allows you a stunning view of the woods while showering. Kitchen has amazing granite counters and island. Island features butler sink and 5 burner Thermador stove top. Stone fireplace walls to 2nd story. This is a wood burning fireplace and is double sided opening with 3rd glass window, 3 sided. All appliances are stainless steel and all kitchen accents are copper. Double deep kitchen sink, dishwasher. Laundry room 1st floor off the kitchen. Powder room 1st floor off the laundry room. A great room with marble floors and propane fireplace i s the perfect place to take in some tv and enjoy the outside view from the 2 slider doors and windows that surround. This is a truly impressive sunroom/great room just the right size. Dining room off the kitchen with view of the front. Home alarm throughout and is monitored which also notifies fire rescue. Inground fiberglass pool!!! 6 built in seats, cascading steps and diving board 16x32 free style. This pool is stunning. Stamped concrete flows about the pool side to the great room. There are 2 sky lights in in the family and loft area with pull down shades. Both 2nd story full baths have sky lights. Through out the home there is extensive carpentry, crown molding picture framing, double chair rails. A large tray ceiling in the family room and 2 tray ceilings in the MBR. Full & very large basement with slider door to the side of the yard. Fully fenced back yard. Shed with storage above, double front doors and double doors on the side. 1 Owner is licensed Maryland Real Estate Broker and is the listing agent of this home. There is so much more this home offers to much to list you just have to see for yourself.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
7/10
6/10

Construction

Condition

  • Property condition: Excellent,Very Good
  • Year built: 2003

Materials

  • Foundation: Other
  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding,Stick Built

Type & Style

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

Interior

Appliances

  • Appliances included: Down Draft,Dishwasher,Disposal,Dryer,Energy Efficient Appliances,ENERGY STAR Qualified Dishwasher,ENERGY STAR Qualified Refrigerator,Humidifier,Ice Maker,Microwave,Self Cleaning Oven,Oven,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Water Treat System
  • Laundry features: Main Level,Laundry Room

Basement

  • Features: Basement - Unfinished
  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Drainage System,Full,Side Entrance,Space For Rooms,Unfinished,Walk-Out Access,Windows

Bathroom2

  • Features: Flooring - HardWood,Flooring - Solid Hardwood
  • Level: Main

Bedroom1

  • Features: Bathroom - Tub Shower,Crown Molding,Flooring - Ceramic Tile,Lighting - Ceiling,Walk-In Closet(s),Flooring - Laminated
  • Level: Upper

Bedroom1

  • Features: Soaking Tub,Bathroom - Stall Shower,Chair Rail,Ceiling Fan(s),Crown Molding,Fireplace - Other,Flooring - HardWood,Flooring - Terrazzo,Flooring - Tile/Brick,Recessed Lighting,Walk-In Closet(s)
  • Level: Main
  • Area: 450
  • Dimensions: 18 X 25

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Bonus Room

  • Features: Flooring - Laminated
  • Level: Upper

Dining Room

  • Features: Chair Rail,Crown Molding,Flooring - HardWood,Flooring - Solid Hardwood,Lighting - Ceiling
  • Level: Main

Family Room

  • Features: Balcony Access,Cathedral/Vaulted Ceiling,Ceiling Fan(s),Chair Rail,Fireplace - Wood Burning,Flooring - HardWood,Flooring - Solid Hardwood,Recessed Lighting,Skylight(s)
  • Level: Main
  • Area: 375
  • Dimensions: 15 X 25

Features

  • Soaking Tub,Bathroom - Walk-In Shower,Ceiling Fan(s),Chair Railings,Crown Molding,Curved Staircase,Dining Area,Floor Plan - Traditional,Formal/Separate Dining Room,Open Floorplan,Kitchen - Country,Eat-in Kitchen,Kitchen Island,Kitchen - Table Space,Sound System,Upgraded Countertops,Wainscotting,Walk-In Closet(s),Wine Storage,Other,Dry Wall,Cathedral Ceiling(s),Beamed Ceilings,9'+ Ceilings,2 Story Ceilings,Tray Ceiling(s)
  • Door features: Sliding Glass,Storm Door(s)
  • Window features: Casement,Double Pane Windows,Insulated Windows,Screens,Skylight(s),Sliding,Storm Window(s),Vinyl Clad
  • Flooring: Ceramic Tile,Hardwood,Laminate,Marble
  • Number of fireplaces: 3
  • Fireplace features: Glass Doors,Double Sided,Corner,Gas/Propane,Heatilator,Screen,Stone,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 3,000

Foyer

  • Features: Cathedral/Vaulted Ceiling,Chair Rail,Flooring - HardWood,Flooring - Solid Hardwood,Lighting - Ceiling
  • Level: Main

Great Room

  • Features: Ceiling Fan(s),Fireplace - Gas,Flooring - Marble,Lighting - Ceiling,Recessed Lighting,Lighting - Wall sconces
  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,ENERGY STAR Qualified Equipment,Propane
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 4,100
  • Total interior livable area: 3,000 sqft

Kitchen

  • Features: Chair Rail,Granite Counters,Crown Molding,Double Sink,Fireplace - Wood Burning,Flooring - HardWood,Flooring - Solid Hardwood,Kitchen Island,Eat-in Kitchen,Kitchen - Country,Kitchen - Propane Cooking,Lighting - Pendants,Recessed Lighting,Lighting - Ceiling,Track Lighting
  • Level: Main

Laundry

  • Features: Flooring - Ceramic Tile
  • Level: Main

Loft

  • Features: Flooring - Laminated,Lighting - Wall sconces
  • Level: Upper

Other

  • Features: Chair Rail,Crown Molding,Flooring - HardWood,Flooring - Solid Hardwood,Lighting - Ceiling,Recessed Lighting
  • Level: Main

Other

  • Features: Bathroom - Tub Shower,Ceiling Fan(s),Crown Molding,Flooring - Ceramic Tile,Flooring - Laminated
  • Level: Upper

Other

  • Features: Flooring - Laminated,Lighting - Wall sconces
  • Level: Upper

Property

Accessibility

  • Accessibility features: Accessible Doors,Doors - Swing In,Doors - Lever Handle(s)

Details

  • Parcel number: 1302049090
  • Zoning: AGRICULTURE
  • Zoning description: This home and property is party of the agricultural program thru DNR known as The stewardship plan "The Stewardship Forest.
  • Special condition: Standard
  • Other equipment: Negotiable
  • Exclusions: Negotiable Items But Are Currently Excluded From Sale Golf Cart,4 Wheeler,Older Zero Turn Mower,Portable Boat House With Cover. Freezer In Basement And Garage,Extra Frig In Garage
  • Horse amenities: Horses Allowed

Features

  • Levels: Three
  • Stories: 3
  • Private pool: Yes
  • Pool features: In Ground,Fenced,Private
  • Exterior features: Bump-outs,Lighting,Flood Lights,Sidewalks,Stone Retaining Walls
  • Spa features: Bath,Hot Tub
  • Fencing: Split Rail,Wood
  • Has view: Yes
  • View description: Garden,Trees/Woods,Other
  • Horses can be raised: Yes

Lot

  • Lot size: 14,700 Acres
  • Features: Rural

Parking

  • Total spaces: 16
  • Parking features: Garage Faces Side,Garage Door Opener,Circular Driveway,Gravel,Private,Asphalt,Attached,Driveway,Other
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Uncovered spaces: 13

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

  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $4,424$53,088
Home Insurance *$252$3,024
Property Taxes $751$9,012
Electricity $382$4,586
Total$5,809$69,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$199,165/yr
40% on housing$174,270/yr
45% on housing$154,906/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

$292This listing

vs Other Active Listings

Avg $/sqft

ZIP 21078$174
Harford County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 21078$209
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
2026-06-20Listed for sale$875,000
2003-11-12Sold$49,370

For Sale by Agent

AgentTammie Schaech
BrokerageDiamond Realty, LLC

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