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12717 N Cresap St, Cumberland, MD, 21502

4beds
2baths
1,131sqft
$500,000
$442price/sqft
$3,556/moest. monthly cost
$142,240/yrincome needed

About This Home

Don’t miss this once-in-a-lifetime chance to own a home with over 90 acres on Haystack Mountain in the desirable Bowling Green area. Located just three minutes outside city limits, with NO CITY TAXES, this property offers the perfect balance of privacy and convenience by giving you a big country feel that is only minutes from I-68, LaVale, and Cumberland, or an easy commute to Northrop Grumman. The property features a 4-bedroom, 2-bath home with a paved driveway, an inground pool, and a pool house. The main level includes 3 bedrooms and 2 full bathrooms, including a spacious primary bedroom and recently renovated primary bathroom. The basement includes 1 bedroom that has been completely remodeled a few months ago. The home has also undergone extensive professional improvements to the drainage system and basement, giving peace of mind to future owners and adding long-term value. Step outside and explore everything this land has to offer, including some of the best year around hunting in Allegany County: Over 90 acres of usable land, a rare natural spring on the property, a custom hunting shack with scenic views, ATV/side-by-side trails throughout, frequent animal sightings (deer, bear, coyotes, and turkeys), and potential build sites for an additional, future home. Whether you’re looking to build, invest, or enjoy outdoor living, this property offers unmatched flexibility. Live in the existing home while building your custom home in the woods, then rent or sell the original house—the possibilities are endless. Utilities are available at the road, making future development even more accessible. Imagine mornings with coffee overlooking the mountains, afternoons exploring your own trails, and evenings under the stars—this is more than a home, it’s a lifestyle. If you’ve been searching for space, privacy, and potential all in one property, this is it! More photos to come!!!

Getting Around

12
WalkingCar-Dependent
16
TransitMinimal Transit
4
BikeSomewhat Bikeable

Schools

9/10
6/10
Braddock Middle SchoolGrades 6-83.7 mi
6/10
Allegany High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1900

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Exterior Entry,Partially Finished

Bathroom2

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Features: Bathroom - Stall Shower
  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,131

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 2,262
  • Total interior livable area: 1,131 sqft

Property

Accessibility

  • Accessibility features: Accessible Doors

Details

  • Parcel number: 0106021786
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Bi-Level,Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Fenced,In Ground,Filtered,Private
  • Patio & porch: Porch
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 94.60 Acres
  • Features: Backs to Trees

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
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 $2,528$30,336
Home Insurance *$321$3,852
Property Taxes $426$5,112
Electricity $281$3,374
Total$3,556$42,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,920/yr
40% on housing$106,680/yr
45% on housing$94,826/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

$442This listing

vs Other Active Listings

Avg $/sqft

ZIP 21502$76
Allegany County$79

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
2026-04-28Listed for sale$500,000
2018-08-21Listing removed$120,900
2018-08-18Listed for sale$120,900

For Sale by Agent

AgentDeneea Casteel
BrokerageMountainside Home Realty

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