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8514 Raptor Ridge Ln, Frederick, MD, 21704

4beds
4baths
3,670sqft
$700,000
$191price/sqft
$4,856/moest. monthly cost
$194,240/yrincome needed

About This Home

BEAUTIFUL, SUN-FILLED COLONIAL HOME IN THE HIGHLY DESIRABLE TALLYN RIDGE COMMUNITY. THIS HOME OFFERS ELEGANCE, COMFORT, AND CONVENIENCE. ALMOST 3590 SQ FT OF AMAZINGLY DESIGNED SPACE. THE MAIN LEVEL CENTERS AROUND THE SPACIOUS KITCHEN HAVING AN EXTRA SIZED ISLAND WITH SEATING, SERVING AS MULTIFUNCTIONAL HUBS FOR DINING FOR MORE THAN 6 PEOPLE, LIVING ROOM, HOME OFFICE, AND FAMILY ROOM DESIGNED FOR COMFORTABLE EVERYDAY LIFE AS WELL AS FOR GATHERING AND ENTERTAINING. ON THE UPPER LEVELIS THE EXCLUSIVE PRIMARY SUITE, FEATURING HUGE ROOM WITH TRAY CEILING, AND A LARGE WALK-IN CLOSET. THREE ADDITIONAL BEDROOMS WITH A FULL HALL BATHROOM AND A JACK & JILL FULL BATH FOR SHARING, PROVIDE COMFORT AND CONVENIENCE FOR THE FAMILY. THE FINISHED BASEMENT OFFERS VALUABLE VERSATILE SPACE IDEAL FOR RECREATION, OFFICE WORK, OR FAMILY AND FRIENDS GATHERING. ENJOY THE COMMUNITY SWIMMING POOL, JOG PATHS, THE ADJACENT PINE CLIFF PARK PICNIC AREA, BOAT RAMP ON THE MONOCACY RIVER, AND SCENIC NATURE TRAILS. THIS BEAUTIFUL HOME IS JUST 3 MILES AWAY FROM HISTORIC DOWNTOWN FREDERICK AND HAS VERY CONVENIENT AND EASY ACCESS TO SHOPPING, RESTAURANTS, MALLS, MARC TRAIN, AND CONNECTOR ROUTES I-270 AND I-70.

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
18
BikeSomewhat Bikeable

Schools

6/10
8/10
Oakdale Middle SchoolGrades 6-82.8 mi
7/10
Oakdale High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 1308

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Partially Finished,Windows

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Finished area below ground: 980
  • Finished area above ground: 2,690

Heating & Cooling

  • Heating features: Heat Pump,Natural Gas
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 3,998
  • Total interior livable area: 3,670 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1109597849
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community

Lot

  • Lot size: 5,800 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Rear,Inside Entrance,Garage Door Opener,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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
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 $3,539$42,468
Home Insurance *$123$1,476
Property Taxes $727$8,724
Electricity $467$5,611
Total$4,856$58,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,491/yr
40% on housing$145,680/yr
45% on housing$129,493/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

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 21704$246
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21704$228
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
2026-04-23Listed for sale$747,980
2022-06-02Sold$645,000
2022-04-17Pending sale$630,000
2022-04-15Listed for sale$630,000
2020-06-15Sold$462,700

For Sale by Agent

AgentRumiana Stoyan Chuknyiska
BrokerageRealty Advantage of Maryland LLC

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