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452 Center St, Frederick, MD, 21701

3beds
2baths
1,540sqft
$439,900
$286price/sqft
$3,282/moest. monthly cost
$131,280/yrincome needed

About This Home

Welcome to 452 Center Street, Frederick, MD—a beautifully updated 3-level split offering comfort, convenience, and value. This move-in-ready home features 3 bedrooms, 2 full bathrooms, and a versatile floor plan. The fully remodeled kitchen showcases new cabinetry, quartz countertops, new appliances, and stylish finishes. Premium, waterproof luxury vinyl plank flooring and fresh paint throughout create a bright, modern feel. Recent improvements include a brand-new roof and an HVAC system that is approximately three years old. The main level features a spacious living room, formal dining area, and updated kitchen. Just a few steps up, you'll find three bedrooms and a full bath. The lower level offers additional living space with a cozy wood-burning fireplace, a second full bath, and walk-out access to the backyard. Enjoy the large deck overlooking an expansive backyard with plenty of room for entertaining, gardening, recreation, or relaxation. A storage shed provides added convenience. Ideally located just minutes from downtown Frederick, Frederick Health Hospital, shopping, dining, parks, and entertainment. Commuters will appreciate easy access to I-70, I-270, Route 15, and nearby public transportation. Located in the Carrollton neighborhood of Frederick.

Getting Around

55
WalkingSomewhat Walkable
25
TransitSome Transit
43
BikeSomewhat Bikeable

Schools

4/10
Lincoln Elementary SchoolGrades PK-50.5 mi
5/10
Crestwood Middle SchoolGrades 6-80.6 mi
5/10
Tuscarora High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Brick/Mortar
  • Roof: Composition
  • Construction materials: Combination,Brick

Other

  • Builder name: RYAN

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Oven/Range - Electric,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Laundry Room

Bedroom2

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 110
  • Dimensions: 10 X 11

Bedroom3

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 88
  • Dimensions: 8 X 11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Flooring - Carpet
  • Level: Main
  • Area: 110
  • Dimensions: 10 X 11

Family Room

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 342
  • Dimensions: 18 X 19

Features

  • Dining Area,Kitchen - Table Space,Open Floorplan
  • Door features: Sliding Glass,Storm Door(s)
  • Window features: Double Pane Windows,Screens,Window Treatments
  • Number of fireplaces: 1
  • Fireplace features: Glass Doors
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,540

Foyer

  • Features: Flooring - Vinyl
  • Level: Main
  • Area: 20
  • Dimensions: 4 X 5

Heating & Cooling

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

Interior Area

  • Total structure area: 1,540
  • Total interior livable area: 1,540 sqft

Kitchen

  • Features: Flooring - Vinyl
  • Level: Main
  • Area: 110
  • Dimensions: 10 X 11

Laundry

  • Level: Unspecified

Living Room

  • Features: Flooring - Carpet
  • Level: Main
  • Area: 195
  • Dimensions: 13 X 15

Other

  • Features: Flooring - Other
  • Level: Lower
  • Area: 70
  • Dimensions: 7 X 10

Primary Bedroom

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 132
  • Dimensions: 11 X 12

Storage Room

  • Level: Unspecified

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1102027208
  • Zoning: R8
  • Special condition: Standard

Features

  • Levels: Multi/Split,Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck
  • Fencing: Partial
  • Has view: Yes
  • View description: Garden

Lot

  • Lot size: 5,285 sqft
  • Features: Landscaped

Parking

  • Parking features: Off Street

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
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Heat Wave
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 $2,224$26,688
Home Insurance *$94$1,128
Property Taxes $683$8,196
Electricity $281$3,374
Total$3,282$39,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,525/yr
40% on housing$98,460/yr
45% on housing$87,520/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 21701$222
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21701$216
Frederick County$230

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
2026-08-04Price change$434,900
2026-07-28Price change$439,900
2026-07-14Listed for sale$449,900
2026-05-29Sold$312,000
2026-05-07Contingent$310,000
2026-05-04Listed for sale$310,000
2002-06-28Sold$159,900
1994-06-03Sold$119,900

For Sale by Agent

AgentMr. Jonathan S Lahey
BrokerageEXP Realty, LLC

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