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209 Tidewater Dr, Havre De Grace, MD, 21078

4beds
4baths
1,848sqft
$435,000
$235price/sqft
$2,897/moest. monthly cost
$115,880/yrincome needed

About This Home

209 Tidewater Drive could be your next memory maker! This beautifully maintained home offers peace of mind with extensive updates throughout, including a new roof (June 2026), new basement carpet (July 2026), sump pump (2025), washer (2025), HVAC system (2024), replacement windows and doors (2020), water heater (2016), and main water line (2016). The main level welcomes you with a bright living room and formal dining room featuring an updated light fixture. The renovated kitchen (2020) boasts stylish gray cabinetry, granite countertops, black appliances, a microwave (2020), refrigerator (2018), electric range, dishwasher, and space for a breakfast table. Just off the kitchen, step down into the inviting family room with a dramatic cathedral ceiling and direct access to both the attached garage and the spacious deck overlooking the backyard—perfect for relaxing or entertaining. Upstairs, you'll find four generously sized bedrooms, including a primary suite with an updated private bath, as well as a beautifully updated hall bathroom. The finished walkout basement features a freshly painted recreation room with brand-new carpet (July 2026), an additional finished room currently used as a bedroom, a half bath, laundry area, and ample storage space. Outside, enjoy a backyard with plenty of room to play, entertain, or garden. The neighboring property's privacy trees enhance the sense of seclusion, making this outdoor space even more enjoyable. With thoughtful updates, flexible living space, and a desirable layout, 209 Tidewater Drive is truly move-in ready and waiting to welcome you home

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

6/10
7/10
6/10

Construction

Condition

  • Property condition: Good
  • Year built: 1990

Materials

  • Foundation: Other
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Exhaust Fan,Freezer,Oven/Range - Electric,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Full,Heated,Improved,Interior Entry,Exterior Entry,Walk-Out Access

Bathroom2

  • Level: Upper

Bedroom2

  • Features: Flooring - Carpet
  • Level: Upper

Bedroom3

  • Features: Flooring - Carpet
  • Level: Upper

Bedroom4

  • Features: Flooring - Carpet
  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Features: Flooring - Carpet,Cathedral/Vaulted Ceiling
  • Level: Main

Features

  • Attic,Bathroom - Walk-In Shower,Bathroom - Tub Shower,Breakfast Area,Ceiling Fan(s),Dining Area,Family Room Off Kitchen,Formal/Separate Dining Room,Floor Plan - Traditional,Eat-in Kitchen,Kitchen Island,Kitchen - Table Space,Primary Bath(s),Upgraded Countertops
  • Flooring: Carpet
  • Finished area below ground: 0
  • Finished area above ground: 1,848

Half Bath

  • Level: Main

Half Bath

  • Level: Lower

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Heat Pump,Electric

Interior Area

  • Total structure area: 2,716
  • Total interior livable area: 1,848 sqft

Kitchen

  • Features: Granite Counters,Flooring - Vinyl,Kitchen Island,Eat-in Kitchen,Kitchen - Electric Cooking
  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Other

  • Level: Lower

Primary Bathroom

  • Level: Upper

Primary Bedroom

  • Features: Flooring - Carpet
  • Level: Upper

Recreation Room

  • Features: Flooring - Carpet
  • Level: Lower

Storage Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1306044069
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 8,015 sqft

Parking

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

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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Lightning
Winter Weather
Cold Wave
Inland Flooding
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 $2,199$26,388
Home Insurance *$125$1,500
Property Taxes $292$3,504
Electricity $281$3,374
Total$2,897$34,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,325/yr
40% on housing$86,910/yr
45% on housing$77,253/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

$235This listing

vs Other Active Listings

Avg $/sqft

ZIP 21078$175
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
2026-08-18Pending sale$435,000
2026-08-09Listed for sale$435,000

For Sale by Agent

AgentPatty Manly
BrokerageBerkshire Hathaway HomeServices PenFed Realty

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