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2 Ridgely Forest Dr, Elkton, MD, 21921

5beds
3baths
2,600sqft
$445,000
$171price/sqft
$3,339/moest. monthly cost
$133,560/yrincome needed

About This Home

Welcome to 2 Ridgley Forest Drive in Elkton! You are welcomed to the property with low maintenance landscaping and and a quaint front porch. Upon entering the home, the open floor plan is on full display and makes entertaining, dining and living easy. The kitchen boasts stainless steel appliances, dark wood cabinets, custom backsplash and plenty of storage. A half bathroom is also on this level. Upstairs, the primary suite features his and hers walk in closets and a large en-suite bathroom. Four additional bedrooms are also on this level, ideal for guests or an office. A large full bathroom is shared by the bedrooms. The laundry room is also on this level. The unfinished basement has a rough in for a bathroom and an additional 1,000 sq ft of space that can be finished. Outside, the maintenance free deck is ideal for the warmer months and enjoying almost 1/3 of an acre of land on a corner lot. Enjoy the convenience of easy commuting or boating on the Chesapeake Bay just minutes away. The community pool, local marinas, schools, and shopping centers are all nearby. Quick access to Route 40 and I-95 makes this location ideal. Schedule your tour today!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

6/10
4/10
North East Middle SchoolGrades 6-81.1 mi
3/10
North East High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Other
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 900

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Partial,Full,Unfinished

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,600

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 3,500
  • Total interior livable area: 2,600 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0805132770
  • Zoning: R4
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community

Lot

  • Lot size: 0.28 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Driveway,Attached
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Ice Storm
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 $2,250$27,000
Home Insurance *$172$2,064
Property Taxes $586$7,032
Electricity $331$3,975
Total$3,339$40,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,480/yr
40% on housing$100,170/yr
45% on housing$89,040/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 21921$178
Cecil County$264

vs Homes Sold Last Month

Median $/sqft

ZIP 21921$182
Cecil County$198

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
2026-05-13Price change$450,000
2026-04-16Listed for sale$459,000
2026-04-10Listing removed$490,000
2026-02-18Price change$490,000
2026-01-02Listed for sale$500,000
2025-08-09Listing removed$500,000
2025-07-07Price change$500,000
2025-06-04Listed for sale$512,000
2023-09-08Sold$405,000
2023-07-26Contingent$419,000
2023-07-21Price change$419,000
2023-06-17Listed for sale$425,000
2018-11-07Sold$252,000

For Sale by Agent

AgentCorey Harris
BrokerageCrown Homes Real Estate

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