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11305 Creek Rd SE, Cumberland, MD, 21502

3beds
2baths
624sqft
$129,000
$207price/sqft
$1,129/moest. monthly cost
$45,160/yrincome needed

About This Home

Escape to peaceful living just minutes from town! This charming bungalow at 1105 Creekside Rd is nestled on two lots totaling 1.02 acres and located outside city limits, offering the space, privacy, and freedom you’ve been searching for. Step inside to find a warm and inviting home featuring 3 bedrooms and 2 full baths, a spacious kitchen, and a sun-filled living room with abundant windows. The main level also offers a large laundry room with a full bath (new vanity), adding everyday convenience. Upstairs, you’ll appreciate the remodeled second-floor bath, and refinished wood flooring! The unfinished basement provides excellent storage, a workshop area, and houses the newer forced-air propane furnace. Outside, the welcoming front porch is the perfect place to unwind while taking in scenic mountain views and peaceful surroundings. Ideally located just minutes from UPMC Western Maryland Hospital, Allegany College of Maryland, shopping, dining, and major routes — yet far enough away to enjoy quiet country living. Priced to sell and full of potential — whether you’re starting out, downsizing, or simply looking for space to breathe, this property is a must-see. Schedule your private tour today!

Getting Around

4
WalkingCar-Dependent
20
TransitMinimal Transit
27
BikeSomewhat Bikeable

Schools

3/10
3/10
Washington Middle SchoolGrades 6-80.8 mi
6/10
Fort Hill High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Good
  • Year built: 1925

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Cooktop,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 624

Basement

  • Has basement: Yes
  • Basement: Exterior Entry

Bedrooms & Bathrooms

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

Features

  • Dry Wall
  • Flooring: Wood,Vinyl,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 624

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 1,248
  • Total interior livable area: 624 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0104018648
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Has view: Yes
  • View description: Mountain(s),Street,Trees/Woods,Scenic Vista

Lot

  • Lot size: 0.49 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • 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

  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
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 $652$7,824
Home Insurance *$82$984
Property Taxes $114$1,368
Electricity $281$3,374
Total$1,129$13,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,708/yr
40% on housing$33,870/yr
45% on housing$30,106/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

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 21502$79
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
2026-03-18Listed for sale$129,000
2023-09-08Sold$80,000
2023-08-29Pending sale$89,900
2023-08-25Listed for sale$89,900
2009-06-09Sold$73,400
2009-03-26Listed for sale$69,900
2008-06-10Sold$40,950

For Sale by Agent

AgentPam Terry
BrokerageEXP Realty, LLC

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