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745 Dolphin St, Baltimore, MD, 21217

5beds
3baths
1,830sqft
$281,000
$154price/sqft
$2,488/moest. monthly cost
$99,520/yrincome needed

About This Home

Unlock Space, Style & Up to $92,500 in Buyer Incentives—Your Opportunity Starts Here! Step into a home that doesn’t just meet your needs—it elevates your lifestyle. Nestled in the highly sought-after Upton community of Baltimore City, this beautifully maintained residence delivers the perfect blend of space, comfort, and undeniable value. With over 1800+ square feet of living space, this home gives you the freedom to live, grow, and create the lifestyle you’ve been wanting. Featuring 5 spacious bedrooms and 2.5 bathrooms, it’s ideal for buyers who need flexibility—whether that’s working from home, hosting guests, or creating multi-generational living. From the moment you walk in, you're welcomed by a bright, open-concept main level designed for both everyday living and effortless entertaining. The seamless flow from the living room to dining area creates the perfect atmosphere for gatherings, while the modern kitchen with stylish finishes opens directly to your private balcony—perfect for morning coffee, evening wine, or quiet moments to yourself. Upstairs, enjoy three sun-filled bedrooms with generous closet space and a beautifully updated full bath. The top level unlocks even more potential with two additional bedrooms and a second full bathroom—perfect for guest suites, a home office, gym, or creative space. Location is everything—and this home delivers. Just minutes from shopping, dining, parks, schools, and major commuter routes, you get both convenience and community. Now here’s where this opportunity becomes UNMATCHED: Take advantage of powerful homebuyer incentives that can dramatically reduce your out-of-pocket costs: - Up to $60,000 with the Upton Grant - Up to $25,000 from the Live Near Your Worship Grant - Upto $2,500 lender credit when using the preferred lender - Up to $5000 Seller Credit *That’s up to $92,500 in assistance—making homeownership more attainable than ever. Homes with this level of space, flexibility, and financial advantage don’t stay on the market long. *Schedule your private showing today.

Getting Around

75
WalkingVery Walkable
93
TransitRider's Paradise
70
BikeVery Bikeable

Schools

1/10
Renaissance AcademyGrades 9-120.5 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1920

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Brick

Notable Dates

  • Major remodel year: 2022

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Dryer,Refrigerator,Stainless Steel Appliance(s),Cooktop,Washer,Water Heater,Electric Water Heater
  • Laundry features: Dryer In Unit,Washer In Unit

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Unfinished

Bathroom1

  • Features: Flooring - Ceramic Tile
  • Level: Upper

Bathroom2

  • Level: Upper

Bedroom2

  • Features: Flooring - HardWood
  • Level: Upper

Bedroom3

  • Features: Flooring - HardWood
  • Level: Upper

Bedroom4

  • Features: Flooring - HardWood
  • Level: Upper

Bedroom5

  • Features: Flooring - HardWood
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Features: Flooring - HardWood
  • Level: Main

Features

  • Bathroom - Tub Shower,Bathroom - Walk-In Shower,Breakfast Area,Combination Dining/Living,Open Floorplan,Recessed Lighting,Upgraded Countertops
  • Window features: Double Pane Windows,Insulated Windows,Screens
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,830

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 1,830 sqft

Kitchen

  • Features: Flooring - Ceramic Tile
  • Level: Main

Living Room

  • Features: Flooring - HardWood
  • Level: Main

Primary Bedroom

  • Features: Flooring - HardWood
  • Level: Upper

Storage Room

  • Features: Flooring - Concrete
  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0317030430 023
  • Zoning: R-8
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Sidewalks,Street Lights
  • Fencing: Full,Back Yard,Wood

Parking

  • Parking features: On Street
  • 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
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Winter Weather

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 $1,420$17,040
Home Insurance *$235$2,820
Property Taxes $552$6,624
Electricity $281$3,374
Total$2,488$29,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,302/yr
40% on housing$74,640/yr
45% on housing$66,346/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 21217$86
Baltimore City$102

vs Homes Sold Last Month

Median $/sqft

ZIP 21217$1,279
Baltimore City$168

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
2026-04-27Price change$296,000
2026-02-07Listed for sale$304,000
2026-01-30Listing removed$305,000
2025-12-26Price change$305,000
2025-09-18Price change$313,900
2025-06-04Price change$315,000
2025-02-28Price change$325,000
2025-01-02Listed for sale$335,000
2024-12-20Listing removed$2,550
2024-12-11Listed for rent$2,550
2021-09-27Listing removed$249,900
2021-07-15Price change$249,900
2021-06-25Listed for sale$256,900
2020-12-03Listing removed$255,000
2020-09-25Listed for sale$255,000
2020-08-17Listing removed$255,000
2020-07-31Price change$255,000
2020-07-23Listed for sale$275,000
2011-09-29Sold$165,000

For Sale by Agent

AgentKesha Catlin
BrokerageKC Realty Group

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