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10121 Putman Rd, Frederick, MD, 21702

2beds
1baths
864sqft
$349,900
$405price/sqft
$2,499/moest. monthly cost
$99,960/yrincome needed

About This Home

Attention investors and flippers! Tucked away off the beaten path on just over 4 mostly wooded acres in Frederick County, this property offers incredible potential. The existing 2-bedroom, 1-bathroom, 2-story home is distressed and in need of a full rehab. Value-add bonus: Included in the sale at no additional cost is a 1-bedroom, 1-bathroom Vibe River Forest travel trailer—fully hooked up to well water, septic, electric, propane heat / cooking. Live comfortably on-site while you restore the main house to its full potential! Recently constructed detached 1 car garage with electric. Don't miss this unique opportunity. Contact the listing agent today with any questions.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
14
BikeSomewhat Bikeable

Schools

5/10
Monocacy Middle SchoolGrades 6-84.5 mi
5/10

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Crawl Space
  • Construction materials: Frame

Type & Style

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

Interior

Basement

  • Area: 384

Basement

  • Has basement: Yes
  • Basement: Other

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 864

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 1,248
  • Total interior livable area: 864 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1120405406
  • Zoning: R
  • Special condition: Standard

Features

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

Lot

  • Lot size: 4.18 Acres

Parking

  • Total spaces: 1
  • Parking features: Other,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Heat Wave
Inland Flooding
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 $1,769$21,228
Home Insurance *$75$900
Property Taxes $374$4,488
Electricity $281$3,374
Total$2,499$29,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,680/yr
40% on housing$74,970/yr
45% on housing$66,640/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

$405This listing

vs Other Active Listings

Avg $/sqft

ZIP 21702$204
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21702$230
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
2026-07-02Listed for sale$349,900

For Sale by Agent

AgentToby Wantz
BrokerageReal Estate Today

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