820-824 & #828, Fruitland, MD, 21826
About This Home
Rare opportunity to purchase three adjoining properties being sold together at 820, 824, and 828 Shad Point, offering strong value-add potential through renovation, redevelopment, or long-term hold. 820 Shad Point features 3 bedrooms and 2.5 baths but requires some updates; a new heat pump was installed approximately one year ago, providing efficient heating and cooling. 824 Shad Point sustained fire damage and will require substantial repair or possible removal; prior to the fire, the home offered up to 5 bedrooms and 2 bathrooms, presenting significant redevelopment potential. 828 Shad Point includes 2 bedrooms and 1 bathroom and is currently tenant-occupied, providing immediate rental income. The combined parcels offer exceptional land value (3.737 acres) with potential for subdivision or redevelopment, subject to zoning and municipal approvals. Ideal opportunity for investors, builders, or developers seeking scale in a desirable location. Sold as a package only. Buyers to verify zoning, subdivision potential, and future use.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1935
Materials
- Foundation: Block
- Construction materials: Other
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater,Electric Water Heater
Basement
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 10
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
- Main level bathrooms: 6
- Main level bedrooms: 10
Features
- Finished area below ground: 0
- Finished area above ground: 1,290
Heating & Cooling
- Heating features: Heat Pump,Electric,Natural Gas
- Cooling features: Central Air,Window Unit(s),Electric,Natural Gas
Interior Area
- Total structure area: 1,290
- Total interior livable area: 1,290 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 2316023582
- Zoning: R20
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: None
Lot
- Lot size: 3.74 Acres
- Lot size dimensions: 0.00 x 0.00
Parking
- Parking features: Driveway
- 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
- Hurricane
- Winter Weather
- Cold Wave
- Lightning
- Strong Wind
- Tsunami
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 | $2,001 | $24,012 |
| Home Insurance * | $119 | $1,428 |
| Property Taxes | $254 | $3,048 |
| Electricity | $281 | $3,374 |
| Total | $2,655 | $31,860 |
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 $/sqft
Current Market Trends
No market data available for this area
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-02 | Price change | $415,000 |
| 2026-01-10 | Listed for sale | $550,000 |
View on Zillow