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450 Green St, Havre De Grace, MD, 21078

3beds
1baths
1,800sqft
$350,000
$194price/sqft
$2,425/moest. monthly cost
$97,000/yrincome needed

About This Home

Delightful Water Views Experience remarkable water views all day long, Thursday night sailing races, and the 4th of July Parade from your front porch. Located in the heart of Havre de Grace, stroll the cobble-stoned, historical district and nearby river walks. This unique property offers a large side lot for your garden, pool, granny flat, or small business. Enjoy restaurants, shops, schools, medical offices, parks, museums, and water-based activities all within walking distance! *The property qualifies for Maryland Historical Tax Credit upgrades! One family, The McLhinneys, have lived here since 1877! 3 -Story, plus basement, new roof, and heating.

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

7/10
6/10

Construction

Condition

  • Year built: 1877

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional

Interior

Appliances

  • Appliances included: Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood
  • Fireplace: Yes

Heating

  • Heating features: Baseboard

Interior Area

  • Total interior livable area: 1,800 sqft

Property

Details

  • Parcel number: 06027156

Features

  • Exterior features: Other

Lot

  • Lot size: 4,500 sqft

Parking

  • Total 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 $1,769$21,228
Home Insurance *$100$1,200
Property Taxes $275$3,300
Electricity $281$3,374
Total$2,425$29,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,142/yr
40% on housing$72,750/yr
45% on housing$64,666/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

$194This 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
2026-03-26Price change$275,000
2026-02-08Listed for sale$350,000

For Sale by Owner

AgentProperty Owner

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