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353 Overlook Ter, Keyser, WV, 26726

3beds
3baths
2,156sqft
$749,900
$348price/sqft
$5,202/moest. monthly cost
$208,080/yrincome needed

About This Home

Coming Soon - Some properties have a view. This one has a front-row seat. Set high above the valley on 21.78 acres, this 2,156 sq. ft. mountain home delivers the kind of setting that immediately separates it from the pack. Big sky, rolling ridgelines, mature hardwoods, privacy, and a view that feels like it goes on forever. This is not another ordinary home with acreage. This is a true overlook property with presence. The home has the right mountain feel from the moment you step inside. The main living area is anchored by a massive stone fireplace and finished with vaulted wood ceilings, hardwood floors, and an open layout that brings the living room, dining area, and kitchen together in one comfortable gathering space. With 3 bedrooms, 2.5 bathrooms, and a spacious upper loft, the floor plan offers plenty of room for full-time living, weekend use, family, guests, or a quiet retreat from everything below. The covered porch space is a major part of the lifestyle here. Morning coffee, evening sunsets, long-range views, cool mountain air, and total privacy are all part of the package. The land gives you nearly 22 acres of wooded mountain ground to enjoy, explore, and control, without feeling isolated from the real world. The detached garage is not an afterthought. At approximately 1,500 sq. ft., it provides serious space for vehicles, equipment, tools, ATVs, side-by-sides, a workshop, or storage for everything that comes with owning a rural property. That kind of garage space dramatically expands the usefulness of the property. The location ties it all together. You get the feel of a private mountain retreat while remaining very close to ABL/ATK and only minutes from LaVale and Cumberland, Maryland. Shopping, restaurants, employment, medical services, and everyday conveniences are all within easy reach. This property has altitude, acreage, character, utility, and access. It is part home, part retreat, part mountain escape, and part practical rural setup. For the buyer who wants the view, the garage, the land, and the convenience, this one checks boxes most properties never touch.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
Frankfort Middle SchoolGrades 5-83.2 mi
10/10
Frankfort High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1991

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Frame,Stone

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Dry Wall,Wood Walls
  • Flooring: Hardwood,Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Stone
  • Fireplace: Yes
  • Finished area above ground: 2,156

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,156
  • Total interior livable area: 2,156 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: NO TAX RECORD
  • Zoning: NO ZONING
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Has view: Yes
  • View description: Valley,Scenic Vista,Panoramic,Mountain(s)

Lot

  • Lot size: 21.79 Acres
  • Features: Wooded,Secluded,Rural,Private,Premium,Mountainous,Hunting Available

Parking

  • Total spaces: 7
  • Parking features: Oversized,Garage Faces Front,Gravel,Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Hail
Landslide
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across West Virginia Counties

Severe Storm
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 $3,791$45,492
Home Insurance *$443$5,316
Property Taxes $745$8,940
Electricity $223$2,680
Total$5,202$62,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,354/yr
40% on housing$156,060/yr
45% on housing$138,720/yr

West Virginia FAIR Plan Programs

West Virginia Essential Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 260Commercial: 43
Total Premiums$274,000
Total Exposure$30.03M

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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: -5.3%
-5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$348This listing

vs Other Active Listings

Avg $/sqft

ZIP 26726$103
Mineral County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 26726$115
Mineral County$108

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
2026-01-10Listing removed$749,900
2025-04-28Price change$749,900
2024-07-15Listed for sale$849,000
1996-10-01Sold$15,000

Coming Soon

AgentCraig See
BrokeragePioneer Ridge Realty

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