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54 Hawthorne Dr, Frostburg, MD, 21532

4beds
3baths
2,243sqft
$299,900
$134price/sqft
$2,584/moest. monthly cost
$103,360/yrincome needed

About This Home

Classic one-story, brick, ranch style home on a generous parcel — conveying with additional lots — offering timeless charm and privacy. This lovingly maintained home features 4 bedrooms, 3 baths, and two inviting brick wood-burning fireplaces. Enjoy an eat-in kitchen, spacious first-floor rooms with gleaming hardwood floors, and a convenient basement two-car garage. Expansive patio doors open from the dining room and lower-level entertainment room, creating seamless indoor/outdoor flow for gatherings and relaxation. Situated with easy access to Interstate 68, the University, and all modern amenities, this property presents rare flexibility with extra land and plenty of character. You will not want to miss this one. Call Today to schedule a Tour!!! *** Some images are AI-generated/virtually staged for illustration purposes only. Please visit and tour the property in person to verify actual condition and features.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

9/10
Beall Elementary SchoolGrades PK-51.4 mi
6/10
7/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 1964

Materials

  • Foundation: Block
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: In Basement,Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Partial,Full,Garage Access,Interior Entry,Exterior Entry,Partially Finished,Rear Entrance,Walk-Out Access,Windows

Bathroom1

  • Features: Bathroom - Tub Shower
  • Level: Main

Bathroom2

  • Features: Bathroom - Stall Shower
  • Level: Main

Bathroom3

  • Level: Lower

Bedroom1

  • Features: Attached Bathroom,Flooring - HardWood
  • Level: Main

Bedroom2

  • Features: Flooring - HardWood
  • Level: Main

Bedroom3

  • Features: Flooring - HardWood
  • Level: Main

Bedroom4

  • Features: Flooring - Carpet
  • Level: Lower

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - HardWood,Formal Dining Room
  • Level: Main

Family Room

  • Features: Flooring - Carpet,Fireplace - Wood Burning
  • Level: Lower

Features

  • Bathroom - Stall Shower,Bathroom - Tub Shower,Entry Level Bedroom,Floor Plan - Traditional,Formal/Separate Dining Room,Eat-in Kitchen,Primary Bath(s)
  • Flooring: Hardwood,Ceramic Tile,Vinyl,Carpet,Wood
  • Number of fireplaces: 2
  • Fireplace features: Brick,Glass Doors,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 590
  • Finished area above ground: 1,653

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 3,306
  • Total interior livable area: 2,243 sqft

Kitchen

  • Features: Flooring - Vinyl,Eat-in Kitchen
  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Features: Fireplace - Wood Burning,Flooring - HardWood
  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0119003329
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 0.35 Acres
  • Features: Additional Lot(s)

Parking

  • Total spaces: 2
  • Parking features: Basement,Garage Faces Rear,Inside Entrance,Attached,Driveway
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Hail
Lightning
Strong Wind

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 $1,516$18,192
Home Insurance *$189$2,268
Property Taxes $594$7,128
Electricity $285$3,429
Total$2,584$31,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,594/yr
40% on housing$77,520/yr
45% on housing$68,906/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

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 21532$104
Allegany County$79

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

No price history available

Coming Soon

AgentSherry Rase
BrokerageCharis Realty Group

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