Ruth Russell

870 Twin Harbor Drive

Arnold, MD
$ 739,900 Beds 4 Baths 3 Sq 3,386
Monthly Estimate* How much can I afford?

Photos are AI-generated/virtually staged for illustrative purposes only. Professional photography is scheduled for Friday, September 18th, and will replace the current images. Welcome to 870 Twin Harbor Drive, a thoughtfully maintained split-foyer home offering four bedrooms, three full baths, flexible living spaces, and an exceptional lifestyle in the sought-after Twin Harbors community. A generous entry foyer creates a welcoming sense of arrival, setting this home apart from the traditional split-foyer layout. The main level is filled with natural light and features a spacious living room, dining area, and beautifully appointed kitchen with upgraded countertops and stainless steel appliances. Just off the dining area, an enclosed porch provides an inviting extension of the living spaceideal as a sitting room, playroom, or casual retreatwith access to a private deck beyond. The main level continues with a full bath, two secondary bedrooms, and a well-appointed primary suite with its own full bath. The fully finished lower level provides exceptional versatility with a spacious den or second living area, fourth bedroom, and updated full bath. A substantial laundry and utility room offers an abundance of storage and enough room for a home gym or additional flexible use. A separate door provides convenient access to the lower rear deck and outdoor spaces. Outside, the property offers an expansive side yard with an electric-equipped shed, trampoline, and playground equipment, providing plenty of room for recreation, entertaining, gardening, or simply enjoying the outdoors. Beyond the home, Twin Harbors offers an enviable waterfront lifestyle with community amenities including a boat ramp, marina and boat slips, fishing pier, beach, swimming area, pavilion and picnic area, and canoe and kayak access. Whether you're looking to spend the day on the water, enjoy a quiet afternoon outdoors, or simply take advantage of the community's exceptional setting, this is an opportunity to enjoy the best of Arnold living with remarkable convenience and flexibility.

ACTIVE

  • Price
  • $ 739,900
  • City
  • Arnold
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • ANNE ARUNDEL
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.45 Acres
  • Zip
  • 21012
  • Sqr Footage
  • 3,386
  • Year Built
  • 1979
  • Taxes
  • $ 7199
  • Style
  • Split Foyer
  • MLS#
  • MDAA2157048
Listed By: Travis Gray with Engel & Volkers Annapolis - 4432926767;
Data Source: Bright MLS

Features

General

Living Area 3386
Sewer Public Sewer
Heating Heat Pump(s)
Cooling Central A/C
Possession 0-30 Days CD
Appliances Dishwasher,Disposal,Dryer - Electric,Exhaust Fan,Stainless Steel Appliances,Washer,Water Heater,Refrigerator,Oven/Range - Electric
Zoning R2
HOA Fee 190.00
Association Fee Includes Common Area Maintenance,Pier/Dock Maintenance,Recreation Facility
Patio/Porch Features Deck(s)
Architectural Style Split Foyer
Construction Materials Aluminum Siding,Brick
School District ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
Year Built 1979
View Trees/Woods,Street
Levels 2
Tax Year 2026
Ownership Fee Simple
Cool Fuel Electric
Section 2
Accessibility None
Assoc Fee Paid Per Annually
County ANNE ARUNDEL
New Construction No
Property Type Residential
Association Amenities Beach,Boat Dock/Slip,Boat Ramp,Common Grounds,Picnic Area,Pier/Dock,Tot Lots/Playground,Water/Lake Privileges
HOA Yes
Subdivision Name TWIN HARBORS
Garage Y/N No
Water Access Y/N Yes
Other Structures Above Grade,Below Grade
Full Baths 3
Status ACTIVE
Directions 50 East,right on Route 2,right on College Pkwy,left on Peninsula Farm Rd,left on Twin Harbor Dr. and the home is on your left.
City ARNOLD
Body of Water Magothy River
Association Name TWIN HARBORS COMMUNITY ASSOCIATION
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 19450.00
Tax Assessed Value 623167.0
Tax Annual Amount 7199.0
Home Warranty Y/N No
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 2
Bathrooms Count Main Level 2.00
Price Per Sq Ft Total AG 372.18
Acceptable Financing Cash,Conventional
Lease Considered Y/N No
Vacation Rental Y/N No
Total SQFT 3386
Standard Status Active
Year Built Source Assessor
Legal Subdivision TWIN HARBORS
Tax Lot 13
Association Recreation Fee No

Interior Features

Interior Amenities Attic,Ceiling Fan(s),Chair Railings,Crown Moldings,Dining Area,Floor Plan - Open,Kitchen - Gourmet,Primary Bath(s),Recessed Lighting,Upgraded Countertops,Window Treatments,Wood Floors,Bathroom - Tub
Heating Fuel Electric
Basement Fully Finished,Interior Access,Outside Entrance,Rear Entrance,Space For Rooms,Windows
Flooring Luxury Vinyl Plank,Carpet
Total Fireplaces 1
Fireplace Features Mantel(s)
Hot Water Electric
Basement (Y/N) Yes
Heating Y/N Yes
Window Features Bay/Bow,Casement,Double Hung,Sliding
Fireplace Y/N Yes
Above Grade Finished Area 1988
Central Air Y/N Yes
Total Bedrooms 4
Below Grade Finished Area 1398
Room Type Living Room,Dining Room,Primary Bedroom,Sitting Room,Bedroom 2,Kitchen,Bedroom 1,Laundry,Bathroom 1,Bathroom 2,Primary Bathroom
Main Level Bedrooms 3
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Assessor
Laundry Type Basement
Below Grade Unfin Area Units Square Feet
Below Grade Finished Area Source Assessor
Bedrooms Count All Lower Levels 1
Bedrooms Count Lower Level 1 1
Bathrooms Full Lower Level 1 1
Bathrooms Full All Lower Levels 1
Bathrooms Count Lower Level 1 1.00
Bathrooms Count All Lower Levels 1
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3

Exterior Features

Exterior Amenities Play Area,Play Equipment,Street Lights
Pool No Pool
Parking Features Concrete Driveway
Lot Features Backs - Parkland,Backs to Trees,Corner,Landscaping,Partly Wooded,Rear Yard,SideYard(s)
Water Source Public
Type of Parking Driveway
Land Use Code R
Foundation Details Block
Spa No
Water View Y/N No
Lot Size Acres 0.45
Water Body Type River
Lot Size Source Assessor
Waterfront Y/N No
Door Features Sliding Glass
Water Access Features Canoe/Kayak,Fishing Allowed
Horse Y/N No
Land Assessed Value 266300.00
Navigable Water Y/N Yes
Water Oriented Y/N Yes

Room Details

Bathroom 1 Main Bathroom - Tub Shower
Bathroom 2 Lower 1 Bathroom - Stall Shower
Bedroom 1 Main
Bedroom 2 Main
Dining Room Main Flooring - Luxury Vinyl Plank
Kitchen Main Countertop(s) - Granite,Dining Area,Flooring - Luxury Vinyl Plank,Kitchen - Electric Cooking,Lighting - LED
Laundry Lower 1
Living Room Main Flooring - Luxury Vinyl Plank,Lighting - LED
Living Room # 2 Lower 1 Flooring - Carpet
Primary Bathroom Main
Primary Bedroom Main Attached Bathroom,Flooring - Luxury Vinyl Plank
Sitting Room Main

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Owings Mills, MD office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Belvedere Elementary School
Middle School Severn River Middle School
High School Broadneck High School

Price History

9/15/2026 Listed $739,900

Property vs Zip Code Average in 21012

Price
AVG $930K
$740K
Taxes
AVG $6,594
$7,199
Year Built
AVG 1981
1979
Visits
AVG 402
35
Data Provided by Inside Real Estate®

Areas That We Cover

870 Twin Harbor Drive Arnold, MD is a Single Family Home for sale at $739900 with 3386 sqft and a lot size of 0.45 Acres Acre(s). 870 Twin Harbor Drive Arnold has 4 bedrooms, 3 baths and was built in 1979. The property's zip code is 21012 which is in Arnold, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Ruth Russell

Ruth Russell

410-404-1638

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