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7465 Swan Point Way Unit 4-8, Columbia, MD, 21045

4beds
4baths
2,122sqft
$494,900
$233price/sqft
$3,527/moest. monthly cost
$141,080/yrincome needed

About This Home

Welcome to this beautifully updated 4-bedroom, 3.5-bath townhome in the heart of Columbia, just moments from scenic Lake Elkhorn! Offering the perfect combination of space, style, and convenience, this move-in ready home features a bright, open floor plan filled with natural light. The spacious kitchen spans the entire rear of the home and showcases updated stainless steel appliances, ample cabinetry, and direct access to a large deck—perfect for outdoor dining, entertaining, or simply relaxing. Upstairs, you'll find comfortable, light-filled bedrooms, including a spacious primary suite. The fully finished lower level offers a versatile fourth bedroom and full bath, making it an ideal guest suite, home office, or recreation space. Major updates provide peace of mind, including a new roof (2022), HVAC system and water heater (2021), fresh interior paint (2026), and brand-new carpet (2026). Enjoy everything Columbia has to offer with nearby walking trails, parks, shopping, dining, entertainment, and commuter routes all within easy reach. This exceptional home is truly move-in ready and waiting for its next owner!

Getting Around

67
WalkingSomewhat Walkable
34
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

6/10
Cradlerock ElementaryGrades PK-50.5 mi
7/10
8/10
Atholton High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Other
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: In Basement

Basement

  • Area: 720

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 600
  • Finished area above ground: 1,522

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,242
  • Total interior livable area: 2,122 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1416155411
  • Zoning: NT
  • Special condition: Standard

Features

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

Parking

  • Parking features: Off Street

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

  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Heat Wave
Strong Wind

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 $2,502$30,024
Home Insurance *$123$1,476
Property Taxes $621$7,452
Electricity $281$3,374
Total$3,527$42,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,925/yr
40% on housing$105,810/yr
45% on housing$94,053/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 21045$179
Howard County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 21045$257
Howard County$271

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
2026-08-08Price change$480,000
2026-07-30Listed for sale$494,900
2023-11-06Sold$460,000
2023-10-08Pending sale$449,000
2023-10-03Listed for sale$449,000
2016-04-22Sold$193,200
2016-04-20Pending sale$315,000
2016-03-03Price change$315,000
2016-03-01Price change$319,000
2016-02-11Price change$319,900
2016-01-19Listed for sale$324,900
2015-12-09Listing removed$252,300
2015-11-24Pending sale$252,300
2015-10-23Price change$252,300
2015-09-14Price change$249,000
2015-04-30Listed for sale$259,400
2015-04-14Sold$260,652
1998-03-20Sold$142,000

For Sale by Agent

AgentHeather Crawford
BrokerageRedfin Corp

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