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116 Anderson Ave, Havre De Grace, MD, 21078

4beds
2baths
1,344sqft
$360,000
$268price/sqft
$2,484/moest. monthly cost
$99,360/yrincome needed

About This Home

Welcome to 116 Anderson Avenue. This spacious 4-bedroom, 2 full bath home offers a flexible layout with plenty of room for family, guests, a home office, or hobbies. The house features comfortable living spaces filled with natural light and a functional floor plan. A full basement offers abundant storage and the potential for additional finished living space. The detached garage is ideal for parking, a workshop, or extra storage and the property also has a shed for lawn equipment and additional storage. Enjoy the convenience of laundry on both levels, with a washer and dryer located on the main floor for easy one-level living, plus an additional washer and dryer in the basement. Situated on a generous 0.26-acre lot (the property includes the land in the back that is across the bridge, all the way to the neighbors fence), the backyard provides ample space for entertaining, gardening, play, or simply relaxing outdoors. Located in an established neighborhood, you'll enjoy convenient access to downtown Havre de Grace's waterfront, parks, marinas, restaurants, shops, schools, and major commuter routes. Whether you're searching for your first home, need more space, or are looking for a property with room to make your own, 116 Anderson Avenue is full of opportunity. Schedule your private tour today and discover all this wonderful home has to offer!

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

7/10
6/10

Construction

Condition

  • Year built: 1966

Materials

  • Foundation: Permanent
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 1064

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Unfinished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,344

Heating & Cooling

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

Interior Area

  • Total structure area: 2,408
  • Total interior livable area: 1,344 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1306020348
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.26 Acres

Parking

  • Total spaces: 2
  • Parking features: Storage,Garage Faces Front,Garage Door Opener,Inside Entrance,Detached,Driveway,Attached Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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 WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Heat Wave
Inland Flooding
Lightning
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 $1,820$21,840
Home Insurance *$103$1,236
Property Taxes $280$3,360
Electricity $281$3,374
Total$2,484$29,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,165/yr
40% on housing$74,520/yr
45% on housing$66,240/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

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 21078$176
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)

No zestimate history available

Price History

DateEventPrice
2026-08-15Pending sale$360,000
2026-07-31Price change$360,000
2026-07-09Listed for sale$375,000

For Sale by Agent

AgentAmy Dean
BrokerageIntegrity Real Estate

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