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527A Trimble Rd Homesite 4, Joppa, MD, 21085

4beds
3baths
2,075sqft
$559,888
$270price/sqft
$3,694/moest. monthly cost
$147,760/yrincome needed

About This Home

As you walk into the Hamilton there is a Choice Room that's open to the foyer. Use this space as a formal living room or playroom for the kids. Down the hall is the Great Room. Add an optional fireplace to make an inviting space to gather with the whole family. The Great Room opens up to a classically designed Kitchen. A small Mudroom at the entry to the Garage rounds out this flexible first floor. Following the stairs, to the second floor, you find the Owner's Suite and three additional Bedrooms, all with ample closet space, plus a Laundry Room, centrally located at the end of the hallway for convenience and ease. The Owner's Suite with a spacious bedroom offers a walk-in closet brimming with storage space. Designed to be a private haven, the Owner's Bedroom has an ensuite bath with available options of a Super Bath, with soaking tub and shower, or Venetian-style, with a large glass-enclosed shower with seat. Take the Hamilton design even further with a variety of options, extensions, and upgrades to personalize this dream home.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

7/10
4/10
Magnolia Middle SchoolGrades 6-81.6 mi
4/10
Joppatowne High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: Gemcraft Homes

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total interior livable area: 2,075 sqft

Property

Features

  • Levels: 2.0
  • Stories: 2

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2

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
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Lightning
Winter Weather
Cold Wave
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 $2,831$33,972
Home Insurance *$195$2,340
Property Taxes $387$4,644
Electricity $281$3,374
Total$3,694$44,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,651/yr
40% on housing$110,820/yr
45% on housing$98,506/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

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 21085$179
Harford County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 21085$196
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)

Price History

DateEventPrice
2026-04-02Price change$584,990
2026-03-22Listed for sale$594,990

New Construction Spec

BrokerageGemcraft Homes

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