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13405 John Kline Rd, Smithsburg, MD, 21783

3beds
3baths
1,852sqft
$1,100,000
$594price/sqft
$7,175/moest. monthly cost
$287,000/yrincome needed

About This Home

Discover a truly stunning and rare opportunity to own 28.75 acres of private, picturesque land with an active horse farm and multiple income-producing possibilities. Tucked away in a peaceful and secluded setting with its own private entrance and “Misty Peaks” sign, this exceptional property offers breathtaking mountain views, where morning mist drifts beautifully over the surrounding peaks. This established equestrian property features four buildings, 12 horse stalls, seven gated pastures, divided fields with automatic waterers, and a well-maintained outdoor riding arena with quality footing, ideal for riding, training, and lessons. There are also walking trails throughout the property, creating the perfect setting for trail rides and equestrian instruction. Approximately five current boarding clients would like to remain, offering immediate income potential for the new owner. As you arrive, you are welcomed by charming stone borders and scenic views in every direction. To the right at the end of the driveway sits a delightful two-level guest cabin featuring a spacious room, wood-burning fireplace, full bathroom, and a large attic space that can be used as a studio, retreat, hangout area, or additional storage. Outside, the cabin offers a wraparound porch with a picnic table, creating a warm and inviting place to relax and enjoy the peaceful surroundings. Further into the property is the impressive two-story bank barn, ideal for storing hay and equipment, with horse stalls conveniently located on the lower level. The barn is equipped with hot and cold water and is heated, adding comfort and practicality for year-round use. At the end of the property, tucked away for privacy, is a spacious workshop/garage with three separate areas and a convenient kitchenette, offering endless possibilities for equipment storage, hobbies, projects, or business use. The main residence is a remarkable four-level estate home designed for both comfort and entertaining. The exterior features a beautiful mahogany wraparound porch, a spacious deck, an outdoor fireplace, and a fully equipped outdoor kitchen complete with two grills, a sink, and space for a refrigerator. A hot tub sits nearby, creating the perfect private retreat. Outdoor kitchen features convey as is, offering the next owner the opportunity to make the space their own. Inside, the home is full of warmth, charm, and character. Upon entry, you are welcomed by a comfortable family room with a cookstove fireplace to the left and a living room to the right. Moving forward, you will find a formal dining room with its own fireplace, while the spacious kitchen offers exceptional farmhouse appeal with a wood-burning fireplace, stainless steel sink, Viking gas stove, wine fridge, and Sub-Zero refrigerator, along with room for a table. The kitchen also provides convenient access to the back porch and deck, making indoor-outdoor living easy and enjoyable. The second level features three bedrooms and two full bathrooms, including a spacious primary suite with its own private bath. From there, you can continue up to the attic level, which offers a large flexible space that can be transformed into a relaxing retreat, studio, or additional living area. One of the home’s standout features is the fully finished basement, complete with heated floors, a full bathroom, laundry room, and a large family room with walk-out access to the outside. Located in a highly desirable area, this extraordinary property offers privacy, beauty, functionality, and income potential, all while being conveniently close to I-70 and just minutes from I-81. This is more than a home—it is a lifestyle. Come experience it for yourself. You will not be disappointed.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

10/10
7/10
Middletown Middle SchoolGrades 6-810.9 mi
8/10
Middletown High SchoolGrades 9-1210.8 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Concrete Perimeter,Stone,Permanent
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Area: 926

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Heated,Improved,Interior Entry,Exterior Entry,Walk-Out Access,Windows,Connecting Stairway

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 3
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,852

Heating & Cooling

  • Heating features: Central,Propane
  • Cooling features: Central Air,Programmable Thermostat,Electric

Interior Area

  • Total structure area: 2,778
  • Total interior livable area: 1,852 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1106181619
  • Zoning: A
  • Special condition: Standard
  • Other equipment: Farm Equipment
  • Wooded area: 10
  • Horse amenities: Arena,Riding Trail,Horses Allowed,Paddocks,Riding Ring,Stable(s)

Features

  • Levels: Four
  • Stories: 4
  • Pool features: None
  • Has view: Yes
  • View description: Mountain(s),Panoramic,Scenic Vista,Trees/Woods
  • Horses can be raised: Yes

Lot

  • Lot size: 28.75 Acres
  • Features: Mountain

Parking

  • Total spaces: 17
  • Parking features: Storage,Garage Faces Rear,Garage Door Opener,Inside Entrance,Oversized,Crushed Stone,Free,Gravel,Detached,Driveway,Parking Lot
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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 $5,562$66,744
Home Insurance *$471$5,652
Property Taxes $861$10,332
Electricity $281$3,374
Total$7,175$86,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$246,000/yr
40% on housing$215,250/yr
45% on housing$191,333/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

$594This listing

vs Other Active Listings

Avg $/sqft

ZIP 21783$194
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21783$207
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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Listed for sale$1,200,000
2025-11-17Listing removed$1,199,000
2024-12-17Price change$1,199,000
2024-06-30Price change$1,250,000
2024-03-22Listed for sale$1,399,000

For Sale by Agent

AgentAlena Kirillov
BrokerageRE/MAX Plus

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