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12494 Lower Monterey Cir, Blue Ridge Summit, PA, 17214

8beds
5baths
0sqft
$625,000
--price/sqft
$4,188/moest. monthly cost
$167,520/yrincome needed

About This Home

Nestled within the historic Lower Monterey Circle, where grand summer homes once welcomed generations of Washington and Baltimore families escaping to the cool mountain air, this extraordinary residence continues that legacy of elegance, hospitality, and timeless craftsmanship. Rich in history and beautifully preserved, this remarkable home offers the rare opportunity to become part of the enduring story of Monterey! Featuring eight spacious bedrooms, four full bathrooms, one half bath and a flexible bonus room that can easily serve as a ninth bedroom, executive home office, library, or hobby room, this stately residence offers exceptional space for family, guests, or multi-generational living. Designed for both grand entertaining and comfortable everyday living, the thoughtfully crafted floor plan offers an elegant formal living room and a separate sitting room, each anchored by its own fireplace, creating warm and inviting spaces for gathering or quiet relaxation. The formal dining room is ideal for hosting holidays and dinner parties, while the adjoining butler's pantry adds both charm and functionality. A spacious mudroom, conveniently paired with the main-level laundry and half bath, provides the everyday practicality today's homeowners appreciate. Throughout the home, timeless craftsmanship shines through with generous room sizes, abundant natural light, original architectural details, and an atmosphere that simply cannot be replicated in today's construction. One of the home's most captivating features is the expansive wraparound porch, where breathtaking mountain views and cool summer breezes create the perfect setting for morning coffee, afternoon conversations, or evenings spent taking in the peaceful surroundings. Whether entertaining guests or simply enjoying the serenity of the mountains, this outdoor living space is truly an extension of the home. Thoughtfully updated with a new HVAC system and an updated wraparound porch, this home seamlessly blends modern comfort with historic elegance, offering today's conveniences while preserving the architectural character that makes Monterey so special. Located near the Monterey Country Club, you'll enjoy convenient access to one of the area's most historic golf destinations. The scenic golf course is open to the public, while club membership offers additional amenities including dining, swimming, tennis, social events, and a vibrant community atmosphere. Outdoor enthusiasts will appreciate being only minutes from Liberty Mountain Resort, offering year-round recreation including skiing, snowboarding, golf, mountain biking, and scenic adventures. Steeped in Civil War history, the home is also ideally situated near the historic Monterey Pass Battlefield, placing history, hiking trails, and breathtaking mountain scenery right outside your door. Despite its peaceful mountain setting, the property remains conveniently located to Gettysburg, Frederick, Hagerstown, and the greater Washington and Baltimore metropolitan areas. This is more than a beautiful historic home—it is a lifestyle. Offering timeless architecture, extraordinary living spaces, modern updates, breathtaking mountain views, and a setting rich in history and natural beauty, this is historic living without compromise.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

8/10
Hooverville El SchoolGrades K-53.7 mi
6/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Rear Entrance

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Breakfast Area,Butlers Pantry,Built-in Features,Crown Molding,Double/Dual Staircase,Entry Level Bedroom,Floor Plan - Traditional
  • Flooring: Wood
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 0

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 230Q14Q032.000000
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 1.20 Acres

Parking

  • Parking features: Driveway
  • 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 WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather

FEMA Declared Disasters Across Pennsylvania Counties

Flood
Tropical 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 $3,160$37,920
Home Insurance *$268$3,216
Property Taxes $536$6,432
Electricity $224$2,692
Total$4,188$50,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,588/yr
40% on housing$125,640/yr
45% on housing$111,680/yr

Pennsylvania FAIR Plan Programs

Insurance Placement Facility of Pennsylvania/FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,982Commercial: 984
Total Premiums$5.34M
Total Exposure$1.33B

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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 17214$120
Franklin County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 17214$185
Franklin County$172

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
2026-07-03Listed for sale$625,000

For Sale by Agent

AgentKimberley Gundacker
BrokerageBerkshire Hathaway HomeServices Homesale Realty

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