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1606 N Market St, Frederick, MD, 21701

2beds
3baths
1,254sqft
$519,000
$414price/sqft
$3,827/moest. monthly cost
$153,080/yrincome needed

About This Home

Welcome to the cutest Cape Cod in the heart of downtown Frederick! Not only is it fabulously adorable but so much work has been done to make this move in ready for you!! Fundamental upgrades that might not be apparent but will keep your maintenance costs down for a while to come! Around $75,000 in recent upgrades include new exterior paint! ** Refinished hardwood flooring! ** All-new GE kitchen appliances ** Refinished counter tops and painted kitchen cabinetry ** A new electrical panel and updated electrical work ** All new plumbing pipes and a new boiler!! The roof is only 10 years old so plenty of life left there too! What's more to love? Attached garage and plenty of parking in the rear as well as the driveway - unusual in downtown Frederick! This two bedroom detached home also boasts two full bathrooms and one half; as well as spacious rooms throughout! Step inside the vestibule and then into the entrance hall! Find a large and comfortable living room on the left; and a cozy dining room on the right! Both with ample space to entertain family and friends. The sunny kitchen is delightful with plenty of windows and lots of counter space! There is a powder room for your convenience too, with a new vanity. And then one of the most attractive aspects of this home! A large screened in porch with new screening! You can spend hours in there reading, catching up with neighbors and friends, or work from home! What could be more tranquil than this setting? Upstairs find a large landing space with full window to let the light in! The two bedrooms are spacious and feature adorable reading nooks, and gleaming hardwood floors. The lower level includes a shower, toilet and vanity (also new) as well as the laundry and plenty of storage space. The attached garage is also accessed through here! Step outside to a newly fenced backyard with plenty of parking to host your special events! The brick patio would be perfect to host barbecues and outside gatherings. All of this so close to Baker Park, downtown restaurants, quaint shops and boutiques! And the best part is having that close access to the many festivals and year-round community events will be on your doorstep! This beautifully updated home offers the perfect combination of historic charm, modern conveniences and an unbeatable location!

Getting Around

50
WalkingSomewhat Walkable
27
TransitSome Transit
73
BikeVery Bikeable

Schools

Construction

Condition

  • Property condition: Very Good
  • Year built: 1935

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bathroom1

  • Level: Upper

Bathroom1

  • Level: Lower

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - HardWood
  • Level: Main

Features

  • Flooring: Hardwood,Ceramic Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,254

Foyer

  • Features: Flooring - HardWood
  • Level: Main

Half Bath

  • Features: Flooring - HardWood
  • Level: Main

Heating & Cooling

  • Heating features: Radiator,Oil
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 2,090
  • Total interior livable area: 1,254 sqft

Kitchen

  • Features: Flooring - HardWood
  • Level: Main

Living Room

  • Features: Flooring - HardWood
  • Level: Main

Screened Porch

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1102083795
  • Zoning: R6
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Porch,Enclosed,Screened,Screened Porch
  • Exterior features: Sidewalks

Lot

  • Lot size: 8,298 sqft
  • Features: Downtown

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

  • 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 $2,624$31,488
Home Insurance *$111$1,332
Property Taxes $811$9,732
Electricity $281$3,374
Total$3,827$45,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,211/yr
40% on housing$114,810/yr
45% on housing$102,053/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

$414This 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
2026-08-10Price change$509,000
2026-07-22Price change$519,000
2026-07-07Listed for sale$529,000
2025-11-06Listing removed$450,000
2025-08-20Price change$450,000
2025-07-21Price change$475,000
2025-07-07Listed for sale$490,500
2025-06-27Listing removed$490,500
2025-05-22Price change$490,500
2025-05-07Listed for sale$515,500
2020-02-27Sold$39,000
1995-06-30Sold$125,000

For Sale by Agent

AgentLori Rogers
BrokerageKeller Williams Realty Centre

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