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503 Silver Charm Ct, Havre De Grace, MD, 21078

3beds
3baths
2,478sqft
$500,000
$202price/sqft
$3,399/moest. monthly cost
$135,960/yrincome needed

About This Home

Tucked into the prestigious Bulle Rock community, this exquisite 3-bedroom, 3-bathroom carriage house blends refined design with easy, single-level living. A level front yard and inviting façade set the tone from the moment you arrive. Step inside to a grand foyer finished with luxury vinyl plank flooring, crown molding, wainscoting, and a classic chair rail—an elegant preview of the quality that carries throughout. High ceilings open into a bright, flowing main level built for both everyday comfort and effortless entertaining. The sophisticated dining room, with its luxury vinyl plank floors and detailed molding, is made for memorable gatherings. Just beyond, the gourmet kitchen delivers on every front: granite countertops, stainless steel appliances, recessed lighting, and crown molding, anchored by a large island with a sink, pendant lighting, and breakfast-bar seating. The spacious family room is a true centerpiece, featuring a coffered ceiling, ceiling fan, recessed lighting, and luxury vinyl plank floors. Large windows fill the room with natural light, while a sliding glass door opens to a covered deck with a skylight—perfect for alfresco dining or unwinding to serene, tree-lined views. The primary suite is a private retreat with plush carpeting, a tray ceiling, ceiling fan, and a generous walk-in closet. Its spa-inspired bath offers ceramic tile flooring, dual sinks atop a granite vanity, a stall shower, and a warm mix of sconce and recessed lighting. A second main-level bedroom features luxury vinyl plank flooring, served by a full bath with ceramic tile, a tub-shower combo, and sconce lighting. A well-placed laundry room with vinyl flooring and a granite-topped folding counter adds everyday convenience. Downstairs, you'll find a third bedroom with cozy carpeting and a full bath with ceramic tile, a walk-in shower, and sconce lighting. An unfinished storage area with a concrete floor offers room to customize and walks out to a lower-level patio. Outside, a concrete driveway and front-loading attached garage accommodate two vehicles, while a backdrop of lush trees lends privacy and a touch of nature. This is more than a home—it's a lifestyle waiting to be embraced in one of Havre de Grace's most vibrant communities. Don't miss the opportunity to make it your own. **Seller is offering a $6,370 credit toward interior painting (estimate on file)! Freshen the main-level walls & trim, stairwell, and basement bath in your colors of choice — move in and make it yours from day one!**

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
6/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 2019

Materials

  • Foundation: Permanent
  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding,Stone,Shake Siding,Combination,Concrete

Type & Style

  • Home type: Townhouse
  • Architectural style: Carriage House
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Oven/Range - Gas,Central Vacuum,Disposal,Dryer,Stainless Steel Appliance(s),Washer,Microwave,Exhaust Fan,Freezer,Ice Maker,Self Cleaning Oven,Water Heater,Extra Refrigerator/Freezer,Gas Water Heater
  • Laundry features: Main Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full,Combination,Connecting Stairway,Partial,Heated,Improved,Interior Entry,Exterior Entry,Partially Finished,Concrete,Rear Entrance,Space For Rooms,Walk-Out Access

Bedroom2

  • Features: Flooring - Luxury Vinyl Plank,Lighting - Ceiling,Window Treatments
  • Level: Main
  • Area: 100
  • Dimensions: 10 X 10

Bedroom3

  • Features: Flooring - Carpet,Lighting - Ceiling
  • Level: Lower
  • Area: 156
  • Dimensions: 12 X 13

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Features: Flooring - Luxury Vinyl Plank,Crown Molding,Chair Rail,Lighting - Ceiling,Dining Area,Formal Dining Room
  • Level: Main
  • Area: 180
  • Dimensions: 15 X 12

Family Room

  • Features: Flooring - Luxury Vinyl Plank,Ceiling Fan(s),Recessed Lighting,Lighting - Ceiling,Crown Molding,Window Treatments
  • Level: Main
  • Area: 360
  • Dimensions: 20 X 18

Features

  • Attic,Ceiling Fan(s),Crown Molding,Entry Level Bedroom,Formal/Separate Dining Room,Kitchen Island,Primary Bath(s),Recessed Lighting,Upgraded Countertops,Walk-In Closet(s),Wainscotting,Chair Railings,Bathroom - Stall Shower,Bathroom - Walk-In Shower,Bathroom - Tub Shower,Breakfast Area,Combination Kitchen/Dining,Dining Area,Family Room Off Kitchen,Open Floorplan,Eat-in Kitchen,Kitchen - Gourmet,Other,Dry Wall,High Ceilings,9'+ Ceilings,Tray Ceiling(s),Unfinished Walls
  • Door features: Six Panel,Sliding Glass,Storm Door(s)
  • Window features: Double Pane Windows,Skylight(s),Window Treatments
  • Flooring: Luxury Vinyl,Vinyl,Carpet,Concrete,Ceramic Tile,Tile/Brick
  • Finished area below ground: 714
  • Finished area above ground: 1,764

Foyer

  • Features: Flooring - Luxury Vinyl Plank,Lighting - Ceiling,Crown Molding,Chair Rail
  • Level: Main
  • Area: 44
  • Dimensions: 4 X 11

Heating & Cooling

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

Interior Area

  • Total structure area: 3,528
  • Total interior livable area: 2,478 sqft

Kitchen

  • Features: Flooring - Luxury Vinyl Plank,Kitchen Island,Kitchen - Gas Cooking,Granite Counters,Breakfast Bar,Recessed Lighting,Lighting - Pendants,Crown Molding
  • Level: Main
  • Area: 240
  • Dimensions: 12 X 20

Laundry

  • Features: Flooring - Vinyl,Lighting - Ceiling,Granite Counters
  • Level: Main
  • Area: 40
  • Dimensions: 5 X 8

Other

  • Features: Flooring - Ceramic Tile,Countertop(s) - Ceramic,Bathroom - Tub Shower,Lighting - Wall sconces
  • Level: Main

Other

  • Features: Flooring - Ceramic Tile,Countertop(s) - Ceramic,Bathroom - Walk-In Shower,Lighting - Wall sconces
  • Level: Lower

Primary Bathroom

  • Features: Flooring - Ceramic Tile,Granite Counters,Lighting - Wall sconces,Recessed Lighting,Bathroom - Stall Shower,Double Sink
  • Level: Main

Primary Bedroom

  • Features: Flooring - Carpet,Ceiling Fan(s),Lighting - Ceiling,Window Treatments,Crown Molding,Attached Bathroom
  • Level: Main
  • Area: 240
  • Dimensions: 15 X 16

Storage Room

  • Features: Flooring - Concrete,Lighting - Ceiling,Basement - Unfinished
  • Level: Lower
  • Area: 1050
  • Dimensions: 30 X 35

Property

Accessibility

  • Accessibility features: Stair Lift

Details

  • Parcel number: 1306072615
  • Zoning: R2
  • Special condition: Standard
  • Other equipment: None
  • Exclusions: See Disclosures

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Exterior features: Sidewalks,Lighting,Satellite Dish
  • Has view: Yes
  • View description: Garden,Street

Lot

  • Lot size: 4,140 sqft
  • Features: Front Yard,Rear Yard,Cul-De-Sac,Backs to Trees,Level,Suburban

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Covered,Garage Door Opener,Inside Entrance,Concrete,Free,Driveway,Paved,Unassigned,Private,Public,Attached,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Lightning
Winter Weather
Cold Wave
Inland Flooding
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 $2,528$30,336
Home Insurance *$144$1,728
Property Taxes $412$4,944
Electricity $315$3,788
Total$3,399$40,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,537/yr
40% on housing$101,970/yr
45% on housing$90,640/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

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 21078$175
Harford County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 21078$209
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
2026-08-05Pending sale$500,000
2026-07-09Listed for sale$500,000
2025-01-08Sold$520,000
2024-12-12Pending sale$525,000
2024-12-11Listing removed$525,000
2024-12-03Price change$525,000
2024-11-08Listed for sale$535,000
2019-10-29Sold$405,943
AgentLee Tessier
BrokerageLee Tessier Team of eXp Realty

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