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10524 Stull Rd, Frederick, MD, 21702

0beds
0baths
2,670sqft
$3,000,000
$1,124price/sqft
$18,501/moest. monthly cost
$740,040/yrincome needed

About This Home

Welcome to 10524 Stull Road—a rare opportunity to own nearly 60 acres in a prime Frederick County location, just minutes from major commuter routes while still offering the privacy and peaceful setting of the countryside. This versatile property features a mix of open fields and wooded areas, making it ideal for farming, recreation, hunting, or creating your own private estate. The land is mostly level with a beautiful natural setting and includes a stocked pond that adds to both the charm and functionality of the property. A large shop provides excellent space for equipment, storage, or workshop use. The existing farmhouse offers the opportunity for rental income, customize and turn into your own vision or use while building your dream home. With the potential for a “one lot plus remainder” subdivision (buyer to verify), there is added value for those looking to invest, build, or create a multi-generational property. Included in the uploaded documents is a program summary sheet outlining various agricultural preservation programs the property qualifies for—offering additional potential benefits for future owners. Outdoor enthusiasts will love the location—close to hiking, biking trails, trout fishing, public hunting land, wineries, and more—making this a true all-around lifestyle property. With easy access to Route 15 and nearby amenities, this property combines convenience with space, privacy, and long-term potential. Whether you’re looking for a homestead, investment, or recreational retreat, this is a unique opportunity in a highly desirable area. Sold as-is. Buyer to perform all due diligence regarding subdivision, zoning, and future use.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
17
BikeSomewhat Bikeable

Schools

4/10
4/10
Thurmont Middle SchoolGrades 6-86.8 mi
5/10
Catoctin High SchoolGrades 9-128.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Permanent,Stone
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 1020

Basement

  • Has basement: Yes
  • Basement: Other

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,670

Heating & Cooling

  • Heating features: Radiator,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 3,690
  • Total interior livable area: 2,670 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 1120406305
  • Zoning: AGRICULTURE
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Has view: Yes
  • View description: Mountain(s),Panoramic,Pasture,Pond,Trees/Woods
  • Has water view: Yes
  • Water view: Pond

Lot

  • Lot size: 58.09 Acres

Parking

  • Total spaces: 4
  • Parking features: Storage,Garage Faces Front,Inside Entrance,Oversized,Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Drought
Heat Wave
Lightning
Strong Wind

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 $15,169$182,028
Home Insurance *$643$7,716
Property Taxes $2,349$28,188
Electricity $340$4,082
Total$18,501$222,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$634,320/yr
40% on housing$555,030/yr
45% on housing$493,360/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,124This listing

vs Other Active Listings

Avg $/sqft

ZIP 21702$189
Frederick County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 21702$230
Frederick County$230

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
2026-05-05Listed for rent$2,000
2026-04-11Listed for sale$3,000,000
2014-04-08Listing removed$1,350
2014-02-28Price change$1,350
2014-02-16Price change$1,200
2014-02-13Listed for rent$1,350

For Sale by Agent

AgentTJ Kerman
BrokerageLPT Realty, LLC

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