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826 Trail Ave, Frederick, MD, 21701

3beds
4baths
2,744sqft
$658,000
$240price/sqft
$4,843/moest. monthly cost
$193,720/yrincome needed

About This Home

Welcome to 826 Trail Avenue, a beautifully updated Cape Cod that blends the character of a classic 1940 home with the comfort and convenience of today's modern living. The 2026 renovations expanded the home's functionality while maintaining the character and details that make this 1940 Cape Cod special. This three-bedroom, three and one-half bath residence offers flexible living space across all three levels while preserving the warmth and charm that make homes of this era so appealing. The newly completed upper level features a spacious bedroom and a zen-like finished full bath, creating a private retreat separate from the main living areas. The lower level has also been finished to provide additional living space complete with a full bathroom and room for recreation, guests, multi-generational living, or an in-law suite. A private rear entrance allows direct access from the parking area into the lower level, providing convenience and flexibility for everyday living. The extensive updates throughout the home include a new kitchen featuring quartz countertops, brand-new cabinetry, and a full suite of new appliances. Additional improvements include new bathrooms, new upper-level windows, a new washer and dryer, fresh paint throughout the entire home, refinished original wood flooring, and the completion of the upper-level living space. These renovations provide modern convenience while preserving the character and craftsmanship that make this home unique. One of the home's most enjoyable features is the rear breezeway, a perfect spot for morning coffee, a good book, or an evening conversation. From the back of the property, enjoy views of the surrounding area and the peaceful setting that makes this home feel removed from the pace of everyday life while remaining close to everything Frederick has to offer. Private off-street parking is located behind the home, offering easy access and the ability to enter directly into the lower level. Located just minutes from Downtown Frederick, you'll enjoy easy access to award-winning restaurants, breweries, coffee shops, boutiques, Carroll Creek, Baker Park, Frederick Health Hospital, Fort Detrick, Hood College, and year-round community events. Commuters will appreciate the convenient access to I-70, I-270, Route 15, and Route 340. Homes that successfully combine historic character, extensive renovations, flexible living space, and a convenient location to so many places. 826 Trail Avenue offers all of those features and more!

Getting Around

84
WalkingVery Walkable
30
TransitSome Transit
73
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1940

Materials

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

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Exterior Entry,Walk-Out Access,Workshop,Partially Finished

Bathroom1

  • Level: Main

Bathroom1

  • Level: Upper

Bedroom1

  • Level: Main

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Dining Area,Entry Level Bedroom,Floor Plan - Traditional,Formal/Separate Dining Room,Eat-in Kitchen,Kitchen - Table Space
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,082
  • Finished area above ground: 1,662

Heating & Cooling

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

Interior Area

  • Total structure area: 2,744
  • Total interior livable area: 2,744 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 1102040298
  • Zoning: R8
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Exterior features: Sidewalks

Lot

  • Lot size: 10,019 sqft

Parking

  • Total spaces: 12
  • Parking features: Driveway,Off Street,On Street
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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

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

How This Home’s Risks Compare

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 $3,327$39,924
Home Insurance *$141$1,692
Property Taxes $1,026$12,312
Electricity $349$4,195
Total$4,843$58,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,045/yr
40% on housing$145,290/yr
45% on housing$129,146/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

$240This 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
2026-08-13Price change$648,000
2026-07-11Listed for sale$658,000
2025-11-10Sold$325,000
2025-10-29Pending sale$350,000
2025-10-27Listed for sale$350,000

For Sale by Agent

AgentCathi Miller
BrokerageHagan Realty

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