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221 Seamaster Rd, Essex, MD, 21221

4beds
4baths
2,496sqft
$499,000
$200price/sqft
$3,547/moest. monthly cost
$141,880/yrincome needed

About This Home

Welcome to 221 Seamaster Road, A beautifully maintained home offering approximately 3,400+ square feet of finished living space and exceptional flexibility for today's lifestyle. Featuring 4-5 bedrooms, 3.5 baths, a dramatic two-story foyer, and a fully finished walkout lower level, this home provides the space, comfort, and versatility buyers are searching for. The main level offers spacious formal living and dining areas, an open-concept kitchen with abundant cabinetry and workspace, and a large family room ideal for everyday living and entertaining. Natural light fills the home through numerous oversized windows, creating a bright and welcoming atmosphere throughout. The standout feature of this home is the expansive finished walkout lower level. Designed for maximum flexibility, it includes a large private bedroom with closet, a full bathroom, and two oversized finished living areas that can serve as a guest suite, home office, media room, fitness area, recreation space, or multi-generational living arrangement. The walkout design provides convenient private access and abundant natural light. Recent upgrades include a NEW ROOF and NEW FRONT PORCH, offering both curb appeal and peace of mind for years to come. Property Features: • 4 - 5 Bedrooms • 3 Full Baths and 1 Half Bath • Approximately 3,400+ Finished Square Feet • Dramatic Two-Story Foyer • Spacious Open Floor Plan • Fully Finished Walkout Lower Level • Private Lower-Level Bedroom Suite • Two Large Finished Recreation/Flex Areas • New Roof • New Front Porch • Move-In Ready Condition • Convenient Access to Shopping, Dining, Parks, Schools, and Major Commuter Routes

Getting Around

67
WalkingSomewhat Walkable
45
TransitSome Transit
50
BikeBikeable

Schools

2/10
2/10
2/10
Kenwood High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 1248

Basement

  • Has basement: Yes
  • Basement: Finished,Heated,Rear Entrance

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,496

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 3,744
  • Total interior livable area: 2,496 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04152400002361
  • Zoning: RES
  • Special condition: Standard

Features

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

Lot

  • Lot size: 5,924 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Driveway,Off Street,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Heat Wave
    Heat WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Winter Weather
Lightning
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 $2,523$30,276
Home Insurance *$185$2,220
Property Taxes $521$6,252
Electricity $318$3,816
Total$3,547$42,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,611/yr
40% on housing$106,410/yr
45% on housing$94,586/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 21221$161
Baltimore County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 21221$198
Baltimore 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
2026-07-22Price change$499,000
2026-07-15Price change$509,900
2026-06-04Listed for sale$515,000
2004-01-21Sold$234,240

For Sale by Agent

AgentJohn Walker
BrokerageLPT Realty, LLC

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