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1603 Martha Ct Unit 402, Bel Air, MD, 21015

2beds
2baths
1,320sqft
$279,900
$212price/sqft
$2,029/moest. monthly cost
$81,160/yrincome needed

About This Home

Elevator Building Penthouse Unit. With 2 bedrooms and 2 full baths. Welcome to Bel Air’s sought-after Emerald Hills Community. This beautifully maintained penthouse condo offers convenient one-level living with 2 bedrooms (brand new carpet) and 2 full bathrooms. Built in 2005, this unit features an open floor plan with spacious living areas and an abundance of natural sunlight throughout the unit. The sunlit kitchen has ample cabinetry & an island for extra workspace. Includes relatively new appliances and a brand-new microwave. The primary suite includes a walk-in closet and private bath. The fireplace is situated in the Kitchen/family living area. On the other side of the kitchen is the large living/dining area. Enjoy the ease of elevator access (or stairs) along with a private balcony for relaxing and enjoying the wooded view. Conveniently located near shopping, dining, parks, walking trails, and downtown Bel Air, with easy access to Rt22, Rt543, Rt1 and I95, all the major commuter routes. Condo association covers exterior maintenance, lawn care, snow removal, and common area upkeep for low-maintenance living. The community has a pool & a club house located within walking distance.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
8/10
7/10

Construction

Condition

  • Year built: 2005

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Exhaust Fan,Ice Maker,Self Cleaning Oven,Refrigerator,Washer,Water Heater,Gas Water Heater
  • Laundry features: Washer In Unit,Dryer In Unit,In Unit

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Bathroom - Walk-In Shower,Breakfast Area,Elevator,Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Eat-in Kitchen,Kitchen - Table Space,Kitchen Island,Pantry,Recessed Lighting,Walk-In Closet(s),Combination Kitchen/Living,Combination Kitchen/Dining,Dining Area
  • Window features: Window Treatments
  • Flooring: Carpet,Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Corner
  • Fireplace: Yes
  • Finished area above ground: 1,320

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,320
  • Total interior livable area: 1,320 sqft

Property

Accessibility

  • Accessibility features: Accessible Hallway(s),Accessible Elevator Installed

Details

  • Parcel number: 1303381072
  • Attached to another structure: Yes
  • Zoning: R4
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Exterior features: Balcony

Parking

  • Total spaces: 50
  • Parking features: Asphalt,Parking Lot
  • 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
  • Inland Flooding
    Inland FloodingRelatively 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
Inland Flooding
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 $1,415$16,980
Home Insurance *$78$936
Property Taxes $255$3,060
Electricity $281$3,374
Total$2,029$24,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,565/yr
40% on housing$60,870/yr
45% on housing$54,106/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

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 21015$195
Harford County$169

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)

Price History

DateEventPrice
2026-07-17Listed for sale$279,900
2017-11-07Listing removed$192,900
2017-11-03Listed for sale$192,900
2017-11-03Pending sale$192,900
2017-11-01Sold$201,000
2017-10-27Listed for sale$192,900
2017-09-10Pending sale$192,900
2017-09-08Listed for sale$192,900
2010-01-14Sold$213,000
2008-10-25Listed for sale$224,900
2005-12-14Sold$208,400

For Sale by Agent

AgentJanet Garinther
BrokerageCummings & Co. Realtors

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