9128 Todd Ave, Fort Howard, MD, 21052
About This Home
Experience elevated waterfront living in this stunning three-level home designed to seamlessly blend luxury and convenience throughout. Boasting 5 spacious bedrooms and 4.5 beautifully appointed baths, this residence features solid hardwood floors throughout and an open, light-filled layout perfect for modern living. The main level offers a 2 car garage w/ additional storage closets , 1 bedroom w/ sliding doors to access the rear yard and 1 full bathroom. The 2nd level offers a living room, home office and the gourmet kitchen, a true centerpiece, complete with an expansive island, granite countertops, stainless steel appliances, and a charming breakfast nook. The extended family room offers trey ceilings, cozy propane fueled fireplace and sliding glass doors that open to a rear deck—perfect for entertaining or simply enjoying serene water views. Upward to the 3rd level and retreat to the expansive primary suite, where you’ll find a generous walk-in closet , spa-inspired bath featuring a jetted soaking tub and separate walk-in shower. Through the sliding glass doors lead to the private balcony overlooking the water, creating a peaceful escape. There are also 3 additional bedrooms on the 3rd level w/ample closet space to include a guest bedroom w/ private bathroom and 2 additional bedrooms w/ jack and jill bathroom. Outdoor enthusiasts will appreciate the impressive 135-foot pier equipped with electric and water, along with 2 -10,000 lb boat lifts—ideal for effortless waterfront access. Additional highlights include a whole-home Sonos audio system, expansive 2nd fl laundry room, outdoor patio w/ built in fireplace, 500 gallon propane tank, 400 AMP Electrical Service. This exceptional property offers the perfect balance of refined indoor living and unmatched water front living. NO FLOOD INSURANCE PER OWNER.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Excellent
- Year built: 2019
Materials
- Foundation: Slab,Concrete Perimeter
- Roof: Architectural Shingle,Pitched
- Construction materials: Frame
Other
- Builder name: Avery Properties LLC
Type & Style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Built-In Range,Cooktop,Dishwasher,Disposal,Dryer,Energy Efficient Appliances,Exhaust Fan,Ice Maker,Instant Hot Water,Double Oven,Oven,Range Hood,Refrigerator,Six Burner Stove,Stainless Steel Appliance(s),Washer,Water Heater,Tankless Water Heater,Electric Water Heater
- Laundry features: Upper Level
Basement
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Soaking Tub,Bathroom - Stall Shower,Bathroom - Tub Shower,Bathroom - Walk-In Shower,Breakfast Area,Built-in Features,Ceiling Fan(s),Chair Railings,Crown Molding,Combination Dining/Living,Combination Kitchen/Dining,Dining Area,Family Room Off Kitchen,Entry Level Bedroom,Open Floorplan,Kitchen - Gourmet,Kitchen Island,Pantry,Primary Bedroom - Bay Front,Recessed Lighting,Sound System,Store/Office,Upgraded Countertops,Walk-In Closet(s),Bar,9'+ Ceilings,Dry Wall,Tray Ceiling(s)
- Door features: Sliding Glass,Insulated
- Window features: Casement,Energy Efficient,Low Emissivity Windows,Screens,Sliding,Window Treatments
- Flooring: Carpet,Ceramic Tile,Hardwood,Luxury Vinyl,Wood
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 4,440
Heating & Cooling
- Heating features: Forced Air,Heat Pump,Programmable Thermostat,Zoned,Electric,Propane
- Cooling features: Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment,Heat Pump,Programmable Thermostat,Zoned,Electric
Interior Area
- Total structure area: 4,440
- Total interior livable area: 4,440 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 04152500003155
- Zoning: R
- Special condition: Standard
Features
- Levels: Three
- Stories: 3
- Pool features: None
- Patio & porch: Deck,Patio,Porch
- Exterior features: Extensive Hardscape,Lighting,Flood Lights,Rain Gutters,Sidewalks,Balcony
- Spa features: Bath
- Fencing: Back Yard,Aluminum,Privacy,Vinyl,Wood
- Has view: Yes
- View description: Bay,Water,River
- Has water view: Yes
- Water view: Bay,Water,River
- On waterfront: Yes
- Waterfront features: Private Dock Site,Bayfront,Private Access,Fishing Allowed,Boat - Powered,Bay
- Waterbody name: Old Road Bay
- Frontage length: Water Frontage Ft: 50
Lot
- Lot size: 9,500 sqft
- Features: Bulkheaded,Fishing Available,Front Yard,Landscaped,Level,Rear Yard,No Thru Street
- Lot size dimensions: 1.00 x
Parking
- Total spaces: 8
- Parking features: Garage Faces Front,Garage Door Opener,Inside Entrance,Concrete,Attached,Driveway
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered spaces: 6
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
- Coastal Flooding
- Heat Wave
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,309 | $63,708 |
| Home Insurance * | $347 | $4,164 |
| Property Taxes | $958 | $11,496 |
| Electricity | $565 | $6,788 |
| Total | $7,179 | $86,148 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-07 | Listed for sale | $1,299,900 |
| 2018-11-20 | Sold | $223,000 |
| 2018-10-04 | Pending sale | $239,900 |
| 2018-10-01 | Price change | $239,900 |
| 2018-09-28 | Listed for sale | $229,900 |
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