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13710 Cardinal Dr SE, Cumberland, MD, 21502

4beds
3baths
2,606sqft
$280,000
$107price/sqft
$2,211/moest. monthly cost
$88,440/yrincome needed

About This Home

Stunning epansive 4 bedroom, 2.5 bedroom home. This well-maintained home sits at the end of a quiet street and offers beautiful city lights and mountain views. The fenced backyard features a covered rear porch (added in 2016), plus a private deck off the primary bedroom. The spacious primary suite includes a full bath and walk-in closet as part of a thoughtful addition. Inside, you’ll find a bright Great Room off the kitchen with granite countertops—perfect for gathering and entertaining. Elegant crown molding enhances the dining room (formerly the living room), reflecting true pride of ownership. Public services, central air, roof 7 years =/- and no through traffic. Be sure to get a look before it is goes.

Getting Around

2
WalkingCar-Dependent
0
TransitNo Nearby Transit
0
BikeNot Bike Friendly

Schools

3/10
3/10
Washington Middle SchoolGrades 6-82.3 mi
6/10
Fort Hill High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1963

Materials

  • Foundation: Block,Permanent
  • Roof: Architectural Shingle
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range - Electric,Electric Water Heater

Basement

  • Area: 1758

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Garage Access,Heated

Bedrooms & Bathrooms

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

Features

  • Dry Wall,Cathedral Ceiling(s)
  • Flooring: Ceramic Tile,Hardwood,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Gas/Propane,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 624
  • Finished area above ground: 1,982

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Electric,Oil
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 3,740
  • Total interior livable area: 2,606 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0116003301
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Has view: Yes
  • View description: Panoramic,Mountain(s),City

Lot

  • Lot size: 0.26 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Front,Driveway,Attached
  • 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

  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Heat Wave
Inland Flooding
Landslide
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 $1,415$16,980
Home Insurance *$180$2,160
Property Taxes $284$3,408
Electricity $332$3,984
Total$2,211$26,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,805/yr
40% on housing$66,330/yr
45% on housing$58,960/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$107This listing

vs Other Active Listings

Avg $/sqft

ZIP 21502$78
Allegany County$80

vs Homes Sold Last Month

Median $/sqft

ZIP 21502$109
Allegany County$110

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
2026-08-04Price change$275,000
2026-06-19Listed for sale$280,000
2026-06-06Pending sale$280,000
2026-05-04Contingent$280,000
2026-04-26Listed for sale$280,000
2020-05-13Listing removed$199,999
2019-08-26Listed for sale$199,999
2017-11-07Listing removed$189,777
2017-10-05Listed for sale$189,777
2014-12-01Listing removed$217,000
2013-11-23Listed for sale$217,000
2013-08-23Listing removed$217,000
2013-06-04Price change$217,000
2013-01-09Listed for sale$226,000
2012-12-02Listing removed$226,000
2012-08-29Price change$226,000
2012-07-13Price change$229,900
2012-02-12Listed for sale$239,900
2001-03-07Sold$138,000

For Sale by Agent

AgentSteve MacGray
BrokerageCharis Realty Group

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