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301 Rock St, Westernport, MD, 21562

0beds
0baths
2,542sqft
$25,000
$10price/sqft
$518/moest. monthly cost
$20,720/yrincome needed

About This Home

ONLINE AUCTION: This auction takes place on the Ashland Auction Group website bidding platform. Bidding begins 8/10/2026, 10:00 AM. Bidding ends 8/12/2026, 11:00 AM. The list price is the suggested opening bid. Deposit: $5,000. This three-unit property is located in Westernport, MD, in Allegany County. The property consists of one lower-level unit, which is currently occupied, and two upper-level units (Units A and B), which are both vacant. The property is located near Creekside Park and has access to MD-36 (New Georges Creek Road), offering connections to nearby communities and regional destinations.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
5/10
Westmar Middle SchoolGrades 6-86.0 mi
7/10
Mountain Ridge High SchoolGrades 9-1213.4 mi

Construction

Condition

  • Year built: 1885

Materials

  • Foundation: Other
  • Construction materials: Other

Type & Style

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

Interior

Basement

  • Area: 0

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,542

Heating & Cooling

  • Heating features: Other
  • Cooling features: None,Other

Interior Area

  • Total structure area: 2,542
  • Total interior livable area: 2,542 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0108005370
  • Zoning: R
  • Special condition: Auction

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 3,128 sqft
  • Lot size dimensions: 68 x 46

Parking

  • Parking features: Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Hail
Landslide
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 $126$1,512
Home Insurance *$36$432
Property Taxes $33$396
Electricity $323$3,886
Total$518$6,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$17,760/yr
40% on housing$15,540/yr
45% on housing$13,813/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

$10This listing

vs Other Active Listings

Avg $/sqft

ZIP 21562$50
Allegany County$80

vs Homes Sold Last Month

Median $/sqft

ZIP 21562$57
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)

No zestimate history available

Price History

DateEventPrice
2021-11-01Sold$4,000
2008-03-25Sold$31,500
2002-09-26Sold$13,000

Unknown Listed By

AgentAdam Shpritz
BrokerageAshland Auction Group LLC

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