




523 N Charles St, Baltimore, MD, 21201
About This Home
Exceptional mixed-use/multifamily opportunity in the heart of Baltimore’s historic Mount Vernon district. 523 N Charles St offers approximately 8,975 total square feet, including approximately 2,200 SF of below-grade space, providing incredible flexibility for retail, office, multifamily, live/work, creative, or redevelopment use. Positioned along one of Baltimore’s most recognizable commercial corridors, the property features strong street presence, large windows, high ceilings, multiple levels, and classic architectural character. The expansive layout offers endless possibilities for an investor, owner-user, or developer looking to reposition a landmark property in a high-visibility location. Surrounded by restaurants, nightlife, universities, cultural institutions, and major downtown employers, the property is conveniently located near Penn Station, MICA, the University of Baltimore, the Washington Monument, and downtown Baltimore. The current owners purchased the property in January 2026 for their intended business use, but ultimately determined the property was not the right fit for their operational needs, creating an excellent opportunity for the next owner to bring their vision to life. Property is being sold strictly as-is.
Getting Around
Schools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Other
- Construction materials: Brick,Concrete,Brick Front
Type & Style
- Home type: MultiFamily
- Architectural style: Federal,French
- Property subType: Quadruplex
Interior
Appliances
- Appliances included: Gas Water Heater
Basement
- Area: 2200
Bedrooms & Bathrooms
- Bedrooms: 2
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 8,975
- Total interior livable area: 6,775 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 0311110552 032
- Zoning: OR-2
- Special condition: Standard
Features
- Pool features: None
Lot
- Lot size: 3,072 sqft
Parking
- Total spaces: 3
- Parking features: Driveway,Off Street,Other
- Has uncovered spaces: Yes
- Uncovered spaces: 3
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
- Cold Wave
- Inland Flooding
- Winter Weather
- Hail
- Hurricane
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,028 | $36,336 |
| Home Insurance * | $1,646 | $19,752 |
| Property Taxes | $683 | $8,196 |
| Electricity | $863 | $10,358 |
| Total | $6,220 | $74,640 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-09 | Listed for sale | $649,000 |
| 2026-01-23 | Sold | $602,000 |
| 2025-12-01 | Pending sale | $600,000 |
| 2025-10-14 | Contingent | $600,000 |
| 2025-08-26 | Listed for sale | $600,000 |
