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12114 Vale Summit Rd SW, Frostburg, MD, 21532

3beds
2baths
2,082sqft
$235,000
$113price/sqft
$1,876/moest. monthly cost
$75,040/yrincome needed

About This Home

Discover comfort and space in this well-maintained 3 bedroom, 2 bath raised ranch offering over 2,000 sq ft of living space on a peaceful 0.92 acre lot. The main level features beautiful hardwood floors, a spacious living room with a cozy wood-burning fireplace, and a country-style eat-in kitchen with plenty of cabinetry and natural light. Enjoy a traditional layout with a dedicated dining area, three generously sized bedrooms, and a partially finished lower level that includes a large rec room and second full bath perfect for guests, hobbies, or a home office. Outside, mature landscaping, a private wooded backdrop, and a 2 car garage create the perfect balance of privacy and convenience all just minutes from downtown Frostburg and I-68. This home offers a peaceful setting, functional space, and timeless charm ready for its next owner.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

9/10
Beall Elementary SchoolGrades PK-52.6 mi
6/10
7/10

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Other
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Oven,Washer,Water Heater,Cooktop,Energy Efficient Appliances,Freezer,Electric Water Heater
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Full,Partially Finished,Walk-Out Access,Rough Bath Plumb,Space For Rooms,Windows,Workshop,Concrete

Bathroom1

  • Features: Soaking Tub,Countertop(s) - Solid Surface
  • Level: Main
  • Area: 60
  • Dimensions: 5 X 12

Bedroom1

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 168
  • Dimensions: 12 X 14

Bedroom2

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 120
  • Dimensions: 10 X 12

Bedroom3

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 156
  • Dimensions: 12 X 13

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - HardWood,Formal Dining Room
  • Level: Main
  • Area: 132
  • Dimensions: 11 X 12

Family Room

  • Features: Flooring - Concrete,Breakfast Bar,Fireplace - Wood Burning
  • Level: Lower
  • Area: 459
  • Dimensions: 17 X 27

Features

  • Dining Area,Kitchen - Country,Bar,Bathroom - Walk-In Shower,Bathroom - Tub Shower,Breakfast Area,Built-in Features,Entry Level Bedroom,Formal/Separate Dining Room,Eat-in Kitchen,Kitchenette,Walk-In Closet(s),Efficiency,Attic,Dry Wall,Paneled Walls
  • Window features: Double Pane Windows,Window Treatments
  • Flooring: Hardwood,Wood
  • Number of fireplaces: 1
  • Fireplace features: Brick,Wood Burning,Other
  • Fireplace: Yes
  • Finished area below ground: 750
  • Finished area above ground: 1,332

Foyer

  • Features: Flooring - Slate
  • Level: Main
  • Area: 48
  • Dimensions: 12 X 4

Heating & Cooling

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

Interior Area

  • Total structure area: 2,664
  • Total interior livable area: 2,082 sqft

Kitchen

  • Features: Flooring - Vinyl,Kitchen - Electric Cooking,Eat-in Kitchen
  • Level: Main
  • Area: 176
  • Dimensions: 11 X 16

Laundry

  • Features: Basement - Partially Finished,Basement - Unfinished,Flooring - Concrete
  • Level: Lower
  • Area: 529
  • Dimensions: 23 X 23

Living Room

  • Features: Flooring - HardWood,Window Treatments
  • Level: Main
  • Area: 240
  • Dimensions: 12 X 20

Other

  • Features: Attic - Access Panel
  • Level: Upper

Other

  • Features: Basement - Partially Finished,Bathroom - Stall Shower
  • Level: Lower
  • Area: 90
  • Dimensions: 6 X 15

Other

  • Features: Flooring - Concrete,Breakfast Bar
  • Level: Lower
  • Area: 168
  • Dimensions: 12 X 14

Storage Room

  • Features: Attic - Access Panel
  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Hallway(s),2+ Access Exits

Details

  • Parcel number: 0117002163
  • Zoning: RESID
  • Special condition: Standard
  • Exclusions: Pantry In Kitchen,Freezer In Basement (sign Designating The Unit)

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio,Porch
  • Exterior features: Stone Retaining Walls,Rain Gutters
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 0.92 Acres
  • Features: Backs to Trees

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Gravel,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $1,188$14,256
Home Insurance *$148$1,776
Property Taxes $259$3,108
Electricity $281$3,374
Total$1,876$22,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,320/yr
40% on housing$56,280/yr
45% on housing$50,026/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

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 21532$105
Allegany County$80

vs Homes Sold Last Month

Median $/sqft

ZIP 21532$101
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
2026-04-03Listed for sale$235,000
2025-12-09Listing removed$230,000
2025-06-13Listed for sale$230,000
2025-06-03Listing removed$230,000
2025-05-07Contingent$230,000
2025-03-21Listed for sale$230,000
2025-03-18Listing removed$195,000
2024-10-17Listed for sale$195,000
2024-08-19Listing removed$195,000
2024-06-05Contingent$195,000
2024-05-31Listed for sale$195,000
2024-05-13Listing removed--
2024-01-03Listed for sale$185,000
2023-10-23Pending sale$185,000
2022-05-31Listed for sale$185,000
2022-05-16Listing removed$185,000
2022-03-14Listed for sale$185,000
2022-03-10Listing removed$185,000
2021-12-17Listed for sale$185,000
2021-12-11Contingent$185,000
2021-12-03Listed for sale$185,000
2020-10-06Sold$125,000
2020-07-27Pending sale$144,900
2020-07-16Listed for sale$144,900

For Sale by Agent

AgentJennifer Fortson
BrokerageCharis Realty Group

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