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490 Mitchell Ave, Hagerstown, MD, 21740

3beds
2baths
1,560sqft
$275,000
$176price/sqft
$1,973/moest. monthly cost
$78,920/yrincome needed

About This Home

Where modern design meets everyday comfort. Welcome to 490 Mitchell Ave — a newly constructed 3-bedroom, 1.5-bath home that brings elevated finishes and thoughtful design to growing Hagerstown. From the moment you arrive, the crisp exterior lines and private rear parking create a clean, contemporary first impression. Inside, the home opens to a bright and inviting main level designed for connection and ease. The kitchen is a true standout — featuring sleek quartz countertops, upgraded appliances, custom cabinetry with built-in storage solutions, and finishes that feel refined yet practical. It’s the kind of space that makes both daily routines and weekend hosting feel effortless. The layout has been carefully considered, with intentional storage throughout — including cleverly integrated spaces that maximize functionality without sacrificing style. Upstairs, three spacious bedrooms provide flexibility for guests, a home office, or growing households. The full bath is beautifully appointed with a double vanity and elegant detailing that elevates the everyday experience. The primary bedroom offers generous proportions and a walk-in closet designed to simplify organization. A dedicated upper-level laundry room adds convenience exactly where you need it. Beyond aesthetics, the home is built with long-term peace of mind, including modern safety systems and new-construction efficiency standards. Located just minutes from downtown amenities, commuter routes including I-70 and I-81, and ongoing revitalization efforts throughout Hagerstown, this home offers both style and smart positioning in a market on the rise.

Getting Around

63
WalkingSomewhat Walkable
26
TransitSome Transit
41
BikeSomewhat Bikeable

Schools

7/10
3/10
4/10

Construction

Condition

  • Property condition: Excellent
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: CPVC/PVC,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Oven/Range - Electric,Refrigerator,Washer,Water Heater,Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Dry Wall
  • Finished area below ground: 0
  • Finished area above ground: 1,560

Heating & Cooling

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

Interior Area

  • Total structure area: 1,560
  • Total interior livable area: 1,560 sqft

Property

Accessibility

  • Accessibility features: Accessible Doors

Details

  • Parcel number: 2225041658
  • Attached to another structure: Yes
  • Zoning: U
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 1,875 sqft

Parking

  • Parking features: Off Street

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 WeatherModerate

How This Home’s Risks Compare

Winter Weather

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 $1,390$16,680
Home Insurance *$104$1,248
Property Taxes $198$2,376
Electricity $281$3,374
Total$1,973$23,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,645/yr
40% on housing$59,190/yr
45% on housing$52,613/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 21740$129
Washington County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 21740$180
Washington County$193

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
2026-03-23Price change$279,000
2026-02-27Listed for sale$289,000
2025-12-15Listing removed$295,000
2025-11-14Listed for sale$295,000

New Construction

AgentKatherine Fernandez
BrokerageCompass

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