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928 Fenario Circle Bel, Air, MD, 21015

8beds
9baths
11,673sqft
$4,850,000
$415price/sqft
$30,728/moest. monthly cost
$1,229,120/yrincome needed

About This Home

**Now Offered at $4,850,000.** A rare opportunity to own one of the Mid-Atlantic's most private luxury estates. Tucked away on 65 breathtaking acres, 928 Fenario Circle offers complete seclusion without sacrificing accessibility. From the moment you enter the winding private drive, the outside world disappears—yet you're just minutes from I-95, approximately 15 minutes to the nearest Amtrak/MARC station, 40 minutes to Baltimore, and within easy reach of Washington, D.C. and Philadelphia. Thoughtfully designed across more than 10,000 square feet, this newly constructed estate blends timeless architecture with refined modern design, creating exceptional spaces for entertaining, everyday living, and multi-generational enjoyment. Expansive interiors, seamless indoor-outdoor living, and extraordinary privacy combine to create an estate experience rarely found in such a convenient location. Recently repositioned to $4,850,000, this is an exceptional opportunity to acquire one of the region's premier private estates. Private showings by appointment only.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

7/10
7/10

Construction

Condition

  • Property condition: Excellent
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Other
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Built-In Range,Dishwasher,Disposal,Dryer,Exhaust Fan,Freezer,Ice Maker,Instant Hot Water,Double Oven,Oven/Range - Gas,Refrigerator,Six Burner Stove,Stainless Steel Appliance(s),Washer,Water Conditioner - Owned,Water Heater,Water Treat System
  • Laundry features: Upper Level,Dryer In Unit,Washer In Unit,Main Level,Laundry Room,Mud Room

Basement

  • Has basement: Yes
  • Basement: Finished,Interior Entry,Exterior Entry,Rear Entrance,Sump Pump,Workshop,Walk-Out Access

Bedroom1

  • Features: Attached Bathroom,Flooring - Luxury Vinyl Plank
  • Level: Lower
  • Area: 210
  • Dimensions: 14 X 15

Bedroom2

  • Features: Bathroom - Tub Shower,Flooring - Engineered Wood
  • Level: Upper
  • Area: 238
  • Dimensions: 14 X 17

Bedroom3

  • Features: Attached Bathroom,Bathroom - Stall Shower,Granite Counters,Flooring - Engineered Wood
  • Level: Upper
  • Area: 288
  • Dimensions: 16 X 18

Bedroom4

  • Features: Flooring - Engineered Wood,Lighting - Ceiling
  • Level: Upper
  • Area: 182
  • Dimensions: 14 X 13

Bedroom5

  • Features: Flooring - Engineered Wood,Lighting - Ceiling
  • Level: Upper
  • Area: 221
  • Dimensions: 17 X 13

Bedroom6

  • Features: Flooring - Engineered Wood
  • Level: Upper
  • Area: 195
  • Dimensions: 15 X 13

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 9
  • Full bathrooms: 8
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Breakfast Room

  • Features: Flooring - Engineered Wood,Lighting - Ceiling,Lighting - Pendants
  • Level: Main
  • Area: 180
  • Dimensions: 10 X 18

Dining Room

  • Features: Flooring - Engineered Wood,Fireplace - Gas,Lighting - Ceiling
  • Level: Main
  • Area: 270
  • Dimensions: 15 X 18

Family Room

  • Features: Basement - Finished,Flooring - Luxury Vinyl Plank,Recessed Lighting
  • Level: Lower
  • Area: 665
  • Dimensions: 35 X 19

Features

  • Air Filter System,Attic,Soaking Tub,Bathroom - Stall Shower,Bathroom - Tub Shower,Bathroom - Walk-In Shower,Breakfast Area,Built-in Features,Butlers Pantry,Crown Molding,Curved Staircase,Combination Kitchen/Dining,Dining Area,Efficiency,Entry Level Bedroom,Open Floorplan,Formal/Separate Dining Room,Kitchen - Gourmet,Kitchen - Table Space,Kitchenette,Pantry,Primary Bath(s),Recessed Lighting,Store/Office,Upgraded Countertops,Walk-In Closet(s),Wine Storage,2nd Kitchen,Eat-in Kitchen,Kitchen Island,Studio,9'+ Ceilings,Vaulted Ceiling(s),2 Story Ceilings,Dry Wall,Tray Ceiling(s),High Ceilings,Paneled Walls
  • Flooring: Slate,Engineered Wood,Heated,Luxury Vinyl,Wood
  • Number of fireplaces: 6
  • Fireplace features: Gas/Propane,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 2,605
  • Finished area above ground: 9,068

Foyer

  • Features: Flooring - Engineered Wood
  • Level: Main
  • Area: 540
  • Dimensions: 27 X 20

Game Room

  • Features: Flooring - Engineered Wood
  • Level: Main
  • Area: 450
  • Dimensions: 25 X 18

Great Room

  • Features: Fireplace - Gas,Flooring - Engineered Wood,Lighting - Ceiling
  • Level: Main
  • Area: 500
  • Dimensions: 25 X 20

Half Bath

  • Features: Flooring - Slate
  • Level: Main
  • Area: 90
  • Dimensions: 10 X 9

Heating & Cooling

  • Heating features: Central,Programmable Thermostat,Zoned,Propane
  • Cooling features: Central Air,Geothermal,Programmable Thermostat,Zoned

Interior Area

  • Total structure area: 12,546
  • Total interior livable area: 11,673 sqft

Kitchen

  • Features: Breakfast Room,Flooring - Engineered Wood,Kitchen - Gas Cooking,Lighting - Ceiling,Pantry,Kitchen Island
  • Level: Main
  • Area: 399
  • Dimensions: 21 X 19

Kitchen

  • Features: Flooring - Engineered Wood,Lighting - Pendants,Pantry
  • Level: Main
  • Area: 171
  • Dimensions: 9 X 19

Laundry

  • Features: Granite Counters,Flooring - Engineered Wood
  • Level: Upper
  • Area: 108
  • Dimensions: 9 X 12

Laundry

  • Features: Flooring - Engineered Wood
  • Level: Main
  • Area: 35
  • Dimensions: 7 X 5

Media Room

  • Features: Flooring - Luxury Vinyl Tile,Lighting - Wall sconces,Recessed Lighting
  • Level: Lower
  • Area: 440
  • Dimensions: 22 X 20

Mud Room

  • Features: Granite Counters,Flooring - Slate
  • Level: Lower
  • Area: 190
  • Dimensions: 10 X 19

Mud Room

  • Features: Flooring - Engineered Wood,Lighting - Ceiling
  • Level: Main
  • Area: 170
  • Dimensions: 10 X 17

Office

  • Features: Fireplace - Gas,Flooring - Engineered Wood
  • Level: Main
  • Area: 255
  • Dimensions: 15 X 17

Office

  • Level: Lower

Other

  • Features: Flooring - Marble
  • Level: Upper
  • Area: 80
  • Dimensions: 10 X 8

Other

  • Features: Attached Bathroom,Bathroom - Walk-In Shower,Flooring - Slate
  • Level: Upper
  • Area: 63
  • Dimensions: 7 X 9

Other

  • Features: Bathroom - Tub Shower,Flooring - Engineered Wood
  • Level: Upper
  • Area: 70
  • Dimensions: 10 X 7

Other

  • Features: Bathroom - Stall Shower
  • Level: Upper
  • Area: 70
  • Dimensions: 10 X 7

Other

  • Features: Flooring - Slate,Bathroom - Tub Shower
  • Level: Main
  • Area: 80
  • Dimensions: 10 X 8

Other

  • Features: Bathroom - Stall Shower,Flooring - Slate
  • Level: Lower
  • Area: 60
  • Dimensions: 6 X 10

Other

  • Features: Attached Bathroom,Bathroom - Stall Shower,Dining Area,Living/Dining Room Combo,Flooring - Engineered Wood,Recessed Lighting
  • Level: Upper
  • Area: 945
  • Dimensions: 35 X 27

Primary Bathroom

  • Features: Flooring - Marble,Recessed Lighting,Lighting - Wall sconces
  • Level: Upper
  • Area: 91
  • Dimensions: 7 X 13

Primary Bathroom

  • Features: Soaking Tub,Bathroom - Walk-In Shower,Flooring - Heated,Walk-In Closet(s)
  • Level: Upper
  • Area: 208
  • Dimensions: 13 X 16

Primary Bedroom

  • Features: Fireplace - Gas,Flooring - Engineered Wood,Walk-In Closet(s),Lighting - Pendants,Primary Bedroom - Sitting Area
  • Level: Upper
  • Area: 270
  • Dimensions: 15 X 18

Sitting Room

  • Features: Flooring - Engineered Wood,Fireplace - Gas,Lighting - Wall sconces,Balcony Access
  • Level: Upper
  • Area: 380
  • Dimensions: 19 X 20

Sitting Room

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Lower
  • Area: 234
  • Dimensions: 13 X 18

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1301400314
  • Zoning: AG
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Patio,Brick
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Trees/Woods,Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 64.46 Acres

Parking

  • Total spaces: 5
  • Parking features: Garage Faces Side,Inside Entrance,Oversized,Circular Driveway,Driveway,Private,Attached
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Heat Wave
Inland Flooding
Lightning
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 $24,524$294,288
Home Insurance *$1,363$16,356
Property Taxes $3,354$40,248
Electricity $1,487$17,846
Total$30,728$368,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,053,531/yr
40% on housing$921,840/yr
45% on housing$819,413/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

$415This listing

vs Other Active Listings

Avg $/sqft

ZIP 21015$189
Harford County$168

vs Homes Sold Last Month

Median $/sqft

ZIP 21015$223
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
2026-06-27Price change$4,850,000
2026-04-22Price change$6,000,000
2025-09-11Listed for sale$7,500,000

New Construction

AgentElizabeth Barboza
BrokerageMonument Sotheby's International Realty

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