198 W Paddock Cir Arnold, MD 21012
Estimated payment $4,176/month
Highlights
- Boat Ramp
- Home fronts navigable water
- Canoe or Kayak Water Access
- Severn River Middle School Rated 9+
- Private Beach
- Concrete Pool
About This Home
Welcome to this spacious 4-bedroom, 3-bath split foyer home situated on an almost half-acre corner lot in the sought-after water-access community of Twin Harbors in Arnold. Freshly painted inside and out, this well-maintained home offers an exceptional combination of indoor comfort and outdoor living. The main level features hardwood floors throughout (seller will provide a $8575 credit for refinishing after settlement), a bright and open living area, and a spacious kitchen complete with stainless steel appliances, a new gas stove, new quartz counters, new tile backsplash, breakfast bar, built-in pantry, and large adjoining dining area. Three bedrooms are located on the upper level, including a generous primary suite with double closets and a private ensuite bath featuring a new vanity and toilet. The renovated hall bath (2022) serves the additional bedrooms, including a secondary bedroom with double closets. The finished walk-out lower level offers more hardwood flooring, a large family room with a cozy gas fireplace, a fourth bedroom featuring a queen Murphy bed, and an updated full bath with new shower, vanity, and toilet. A huge storage and utility room provides ample space for laundry, hobbies, and organization. Outdoor living shines with a private fenced backyard featuring double gates installed in 2021, a resurfaced 16,000-gallon saltwater pool (2022), gazebo, pergola, groundwater well pump for gardening and rainwater use, and a massive 14' x 17' insulated shed/workshop complete with drywall, windows, and air conditioning—ideal for a studio, craft room, workshop, home office, or additional storage. A wraparound composite deck provides the perfect place to relax or entertain. Additional peace of mind includes a whole house generator! Additional highlights include a one-car garage with storage and a new garage door. Twin Harbors has a voluntary community association of just $215 annually, which offers access to community beach, boat slips, a kayak launch, pavilion, playground, and seasonal neighborhood events that create a true sense of connection. This move-in-ready home delivers the perfect blend of space, functionality, and outdoor amenities in one of Arnold's most desirable waterfront communities.
Listing Agent
(410) 429-7425 MICHELLE@MICHELLETRIOLO.COM Compass Brokerage Phone: 4104297425 License #0225273841 Listed on: 07/09/2026
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $5,329
Year Built
- Built in 1972
Lot Details
- 20,500 Sq Ft Lot
- Home fronts navigable water
- Private Beach
- Property is Fully Fenced
- Wood Fence
- Corner Lot
- Property is in excellent condition
- Property is zoned R2
Parking
- 1 Car Attached Garage
- Parking Storage or Cabinetry
- Front Facing Garage
- Garage Door Opener
- Brick Driveway
Home Design
- Split Foyer
- Block Foundation
- Architectural Shingle Roof
- Cedar
Interior Spaces
- Property has 2 Levels
- 1 Fireplace
- Double Pane Windows
- Family Room
- Living Room
- Combination Kitchen and Dining Room
- Utility Room
- Wood Flooring
Kitchen
- Gas Oven or Range
- Dishwasher
- Stainless Steel Appliances
Bedrooms and Bathrooms
Laundry
- Laundry Room
- Stacked Washer and Dryer
Finished Basement
- Walk-Out Basement
- Sump Pump
- Space For Rooms
- Workshop
- Basement Windows
Pool
- Concrete Pool
- In Ground Pool
- Saltwater Pool
- Fence Around Pool
Outdoor Features
- Canoe or Kayak Water Access
- Private Water Access
- River Nearby
- Swimming Allowed
- Powered Boats Permitted
- Lake Privileges
- Patio
- Shed
- Outbuilding
- Rain Gutters
Schools
- Arnold Elementary School
- Severn River Middle School
- Broadneck High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Natural Gas Water Heater
- Municipal Trash
Listing and Financial Details
- Tax Lot 69
- Assessor Parcel Number 020387713345680
Community Details
Overview
- No Home Owners Association
- Twin Harbors Subdivision
Amenities
- Common Area
Recreation
- Boat Ramp
- Pier or Dock
- Fishing Allowed
Map
Home Values in the Area
Average Home Value in this Area
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $5,186 | $450,267 | -- | -- |
| 2024 | $5,186 | $427,700 | $268,100 | $159,600 |
| 2023 | $5,064 | $420,400 | $0 | $0 |
| 2022 | $3,180 | $413,100 | $0 | $0 |
| 2020 | $3,031 | $396,033 | $0 | $0 |
| 2019 | $2,980 | $386,267 | $0 | $0 |
| 2018 | $3,818 | $376,500 | $211,100 | $165,400 |
| 2017 | $2,801 | $360,633 | $0 | $0 |
| 2016 | -- | $344,767 | $0 | $0 |
| 2015 | -- | $328,900 | $0 | $0 |
| 2014 | -- | $328,900 | $0 | $0 |
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 07/09/2026 07/09/26 | For Sale | $695,000 | +51.1% | $407 / Sq Ft | |
| 04/16/2021 04/16/21 | Sold | $460,000 | -4.0% | $269 / Sq Ft | View Prior Sale |
| 04/16/2021 04/16/21 | Pending | -- | -- | -- | |
| 04/16/2021 04/16/21 | For Sale | $479,000 | -- | $280 / Sq Ft |
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $460,000 | Church Circle T&E Llc | |
| Deed | $210,000 | -- |
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $414,000 | New Conventional | |
| Previous Owner | $160,000 | No Value Available |
Source: Bright MLS
MLS Number: MDAA2146550
APN: 03-877-13345680
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