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4521 Arboretum Dr, Monrovia, MD, 21770

6beds
5baths
4,994sqft
$899,999
$180price/sqft
$6,324/moest. monthly cost
$252,960/yrincome needed

About This Home

Welcome to 4521 Arboretum Dr — a stunning, move-in-ready 6-bedroom, 4.5-bath home spanning an impressive 6,000 square feet, nestled in Landsdale, the most sought-after community in southern Frederick County, where your homesite enjoys peaceful views of lush green space right from the front door. Step inside and be greeted by a soaring two-story foyer that sets the tone for the light-filled, open layout beyond. The spacious dining and living rooms flow effortlessly from the entry, making this home ideal for both everyday living and entertaining. In the heart of the home, the expansive family area impresses with dramatic 11-foot ceilings, creating an airy, open atmosphere that truly has to be seen to be appreciated. The chef-inspired kitchen is outfitted with a full suite of gleaming stainless steel appliances, ready for everything from weeknight dinners to weekend gatherings. Upstairs, three full bathrooms serve the upper level with ease, while the luxurious primary suite serves as your private retreat — complete with dual walk-in closets that provide the storage and organization you've been dreaming of. The fully finished basement adds exceptional versatility to this home, featuring a generous recreation room and a fourth full bath — perfect as a playroom, home theater, gym, or guest space. Completing the picture is an unbeatable location: minutes from both Route 270 and Route 70, with effortless commute access to the greater DC metro area and beyond. This is the one you've been waiting for — schedule your private tour today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

10/10
8/10
7/10
Linganore High SchoolGrades 9-125.7 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Other

  • Builder name: WINCHESTER HOMES

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Other

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Attic,Breakfast Area
  • Finished area below ground: 1,000
  • Finished area above ground: 3,994

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 5,975
  • Total interior livable area: 4,994 sqft

Laundry

  • Level: Upper

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1109593891
  • Zoning: 0
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Private pool: Yes
  • Pool features: Private

Lot

  • Lot size: 8,040 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
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 $4,550$54,600
Home Insurance *$208$2,496
Property Taxes $930$11,160
Electricity $636$7,635
Total$6,324$75,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$216,822/yr
40% on housing$189,720/yr
45% on housing$168,640/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

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 21770$228
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21770$227
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
2026-07-08Price change$899,999
2026-06-10Listed for sale$950,000
2019-12-23Sold$645,328
2019-10-10Listed for sale$645,328

For Sale by Agent

AgentJames Nicholson
BrokerageKeller Williams Realty Centre

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