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221 Smarty Jones Terrace , Havre De Grace, MD 21078
$589,000
Est. Payment: $3,234.25/mo
3 Bed
3 Bath
3620 Sqft
0.24 Acres
Status: active | Days on site: 1
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CCRL8 - 3092204
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House Description

PRICED TO MOVE AND SELLER OPEN TO CONCESSIONS FOR THE RIGHT OFFER! Experience the ultimate resort lifestyle in Bulle Rock! This beautiful DR Horton home in historic Havre de Grace, MD, offers seamless main-level living, premium custom upgrades, and exceptionally spacious finished spaces. Main-Level Elegance & Luxury Inside, enjoy a bright, flowing layout detailed with newer carpet, newer blinds, and rich hardwood flooring. Elegant crown moulding and decorative trim accent the formal living and dining rooms. Behind double glass French doors, the front office provides a quiet, dedicated workspace. The gourmet kitchen shines with granite countertops, stainless steel appliances, and a cozy breakfast nook. Relax in the family room beside the gas fireplace, or escape to the vaulted sunroom. Glass sliders with built-in blinds open to your private outdoor oasis: a low-maintenance composite deck and a paver patio with custom bench seating and a retaining wall garden backing to mature trees. The primary suite is a true retreat, featuring a tray ceiling, dual walk-in closets with custom shelving, and a spa-like en-suite bath with dual vanities and a large tiled walk-in shower with bench seating. The main floor also includes a second bedroom, a versatile third bedroom, a second full bath, and a convenient laundry room with a utility sink and garage access. The finished lower level dramatically expands your living space, offering a massive recreation room with a walk-up glass panel door to the backyard. Perfect for guests, the space includes a large finished bonus room with a walk-in closet and direct access to a full bathroom. A second finished bonus room is perfect for a home gym or hobby space, and an expansive unfinished storage room keeps everything organized. This property boasts excellent peace of mind with a newer water heater (2022), replacement windows with a lifetime warranty, newer Carrier Infinity HVAC system (2022) and newer garage openers (2026). Enjoy stress-free living with Bulle Rock's premium HOA services, which handle lawn maintenance, trash removal, and snow removal right to your door. The gated community features a private residents' club, indoor and outdoor pools, a fitness center, walking trails, and tennis courts. You are also just minutes from historic Havre de Grace waterfront dining, shopping, and I-95.

Highlights

Listed by Brian Zack , 3028933508 Cummings & Co Realtors , 4108230033. Bright MLS

Property Type

Residential

Lot/Acreage
0.24

HOA Fee

381 Monthly

Year Built

2006

County

Harford

Neighborhood

Bulle Rock

School District

Harford County Public Schools

Listing ID

MDHR2061842

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Air Cond:Ceiling Fan(s),Central A/C
Fireplaces:Gas/Propane,1 Fireplace
Above Ground Sq Ft:2420
Below Ground Sq Ft:1200
Basement:Full,Outside Entrance,Interior Access,Partially Finished,Rear Entrance,Sump Pump,Walkout Stairs
Other:
  • ▪ Main Floor Bedrooms:3
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No,In City Limits
Garage Capacity:4
Zoning:R2
Others:
  • ▪ Additional:Excellent, Bike Trail, Billiard Room, Common Grounds, Exercise Room, Fitness Center, Gated Community, Golf Course Membership Available, Hot tub, Jog/Walk Path, Pickleball Courts, Picnic Area, Pool - Indoor, Pool - Outdoor, Sauna, Security, Shuffleboard, Tennis Courts, Tot Lots/Playground, Common Area Maintenance, Lawn Maintenance, Management, Pool(s), Recreation Facility, Reserve Funds, Road Maintenance, Security Gate, Snow Removal, Trash
Sewer:Public Sewer
Parking Features:Asphalt Driveway,Garage - Front Entry,Garage Door Opener,Inside Access,Attached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$3,234
Taxes
$477
HOA
$381

Home Price

$589,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$117,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,234.25

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,234.25 $476.83 $381.00 $4,092.09
Yearly $38,811.04 $5,722.00 $4,572.00 $49,105.04
Total $1,164,331.35 $171,660.00 $137,160.00 $1,473,151.35
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Havre De Grace, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T11:13:36.000Z

© 2026 Bright MLS