2820 Heartland Cir, Frederick, MD, 21702
About This Home
Beautifully maintained 4-bedroom, 3.5-bath home in a desirable Frederick community offering an exceptional blend of comfort, style, and convenience. Enjoy beautiful open front views and a prime location just a short walk to Kellerton Park, featuring a playground, basketball court, dog park, and rentable pavilion/community space. The thoughtfully designed floor plan includes a sought-after main-level primary suite with a private full bath, providing convenient one-level living. The gourmet kitchen is the heart of the home, featuring ample cabinetry, generous counter space, a stylish backsplash, and a reverse osmosis water filtration system under the sink. The kitchen flows seamlessly into the spacious living and dining areas, creating an ideal setting for everyday living and entertaining. Recent updates enhance both style and functionality, including two remodeled bathrooms with modern tiled walk-in showers. Upstairs, additional bedrooms offer flexibility for family, guests, or home office needs. The finished basement provides valuable additional living space perfect for a recreation room, fitness area, media room, home office, or guest retreat. Step outside to enjoy the fully fenced backyard featuring a 6-foot vinyl privacy fence and a spacious 276-square-foot stamped concrete patio, ideal for outdoor dining, entertaining, or relaxing. A wonderful opportunity to own a move-in-ready home with thoughtful upgrades, versatile living spaces, and outstanding community amenities in a highly desirable location.
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Very Good
- Year built: 2023
Materials
- Foundation: Permanent
- Construction materials: Vinyl Siding,Combination
Type & Style
- Home type: Townhouse
- Architectural style: Traditional
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Refrigerator,Dishwasher,Microwave,Washer,Dryer,Cooktop,Range Hood,Gas Water Heater
Basement
- Area: 1904
Basement
- Has basement: Yes
- Basement: Finished,Connecting Stairway
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Features
- Combination Kitchen/Dining,Combination Dining/Living,Dining Area,Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Eat-in Kitchen,Kitchen Island,Kitchen - Gourmet,Primary Bath(s),Recessed Lighting,Upgraded Countertops,Walk-In Closet(s)
- Finished area below ground: 1,300
- Finished area above ground: 2,999
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 4,903
- Total interior livable area: 4,299 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 1102602437
- Zoning: R
- Special condition: Standard
Features
- Levels: Three
- Stories: 3
- Pool features: Community
Lot
- Lot size: 6,014 sqft
Parking
- Total spaces: 4
- Parking features: Inside Entrance,Attached,On Street,Driveway
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered 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
- Winter Weather
- Heat Wave
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,615 | $43,380 |
| Home Insurance * | $153 | $1,836 |
| Property Taxes | $1,105 | $13,260 |
| Electricity | $547 | $6,572 |
| Total | $5,420 | $65,040 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-04 | Price change | $699,000 |
| 2026-07-16 | Price change | $715,000 |
| 2026-06-01 | Listed for sale | $725,000 |
| 2023-08-21 | Sold | $645,221 |
View on Zillow