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3070 Hughes Rd, Finksburg, MD, 21048

5beds
4baths
4,835sqft
$849,900
$176price/sqft
$5,885/moest. monthly cost
$235,400/yrincome needed

About This Home

A private woodland retreat defined by elegance and craftsmanship, this custom-built 3,704 sq. ft. brick Colonial is set on 5 breathtaking acres. A long, scenic approach sets the tone, offering a sense of arrival and seclusion just minutes from major commuter routes. Inside, refined design meets everyday comfort. The gourmet kitchen features expansive counter space, premium cabinetry, and a center island, all opening seamlessly to a light-filled family room. The vaulted family room impresses with a striking stone wood-burning fireplace, while walls of windows frame the surrounding landscape, creating a seamless connection to the outdoors. Step outside to a sprawling two-tier deck—ideal for entertaining, outdoor dining, or quiet moments immersed in nature. A true birder’s haven, where the mature woodland setting fosters a rich and ever-changing array of birdlife. Upstairs, the serene primary suite offers a spacious walk-in closet and a luxurious en-suite bath with a soaking tub and separate shower. Three additional generously sized bedrooms share an updated hall bath, providing comfort and flexibility for family or guests. The finished lower level adds exceptional living space, featuring a custom bar, expansive recreation area, and walk-out access to the backyard—filling the space with abundant natural light and creating a bright, inviting extension of the home. Ideal for entertaining, hobbies, or a private retreat. Every window captures picturesque views, enhancing the home’s tranquil atmosphere. Ideally located in a highly sought-after area of Finksburg, this property offers the perfect balance of privacy and convenience, with easy access to major routes, shopping, and dining.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

7/10
8/10
Westminster High SchoolGrades 9-125.9 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1994

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Ice Maker,Microwave,Oven/Range - Electric,Self Cleaning Oven,Range Hood,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Main Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Walk-Out Access,Connecting Stairway,Partial,Full,Heated,Improved,Finished,Windows

Bathroom2

  • Level: Upper

Bathroom3

  • Level: Lower

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Breakfast Room

  • Features: Flooring - Tile/Brick
  • Level: Main
  • Area: 130
  • Dimensions: 13 X 10

Dining Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 208
  • Dimensions: 16 X 13

Family Room

  • Features: Flooring - Carpet,Wood Stove
  • Level: Main
  • Area: 361
  • Dimensions: 19 X 19

Family Room

  • Level: Lower

Features

  • Breakfast Area,Family Room Off Kitchen,Kitchen - Country,Kitchen Island,Dining Area,Primary Bath(s),Open Floorplan,9'+ Ceilings,2 Story Ceilings,Vaulted Ceiling(s)
  • Door features: Atrium,French Doors,Six Panel
  • Window features: Bay/Bow,Casement,Double Pane Windows,Palladian
  • Flooring: Wood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Equipment,Mantel(s),Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,131
  • Finished area above ground: 3,704

Foyer

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 132
  • Dimensions: 12 X 11

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Electric,Oil
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,835
  • Total interior livable area: 4,835 sqft

Kitchen

  • Features: Flooring - Tile/Brick
  • Level: Main
  • Area: 165
  • Dimensions: 15 X 11

Laundry

  • Level: Unspecified

Laundry

  • Level: Main

Living Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 208
  • Dimensions: 16 X 13

Office

  • Level: Main

Primary Bathroom

  • Level: Upper

Primary Bedroom

  • Features: Primary Bedroom - Sitting Area
  • Level: Unspecified

Primary Bedroom

  • Level: Upper

Recreation Room

  • Level: Lower

Storage Room

  • Level: Lower

Study

  • Level: Unspecified

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0704065433
  • Zoning: CONSE
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck,Porch
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Garden,Trees/Woods

Lot

  • Lot size: 5 Acres
  • Features: Landscaped,Wooded

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Off Street,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Lightning

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 $4,297$51,564
Home Insurance *$274$3,288
Property Taxes $698$8,376
Electricity $616$7,392
Total$5,885$70,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,771/yr
40% on housing$176,550/yr
45% on housing$156,933/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 21048$212
Carroll County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 21048$219
Carroll County$237

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
2026-05-07Price change$899,999
2026-04-30Listed for sale$935,000
1994-03-08Sold$105,000

For Sale by Agent

AgentNancy Hulsman
BrokerageColdwell Banker Realty

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