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230 E 5th St, Frederick, MD, 21701

2beds
2baths
1,092sqft
$365,000
$334price/sqft
$2,785/moest. monthly cost
$111,400/yrincome needed

About This Home

Beautifully updated! This lovely historic duplex in downtown Frederick is full of charm and character! Close to all that downtown Frederick has to offer, this home is situated in a great commuter location. Walk to all the fantastic amenities in Frederick--Carroll Creek, Baker Park, the library, restaurants, shops & festivals. Step inside this freshly painted home to the charming family room featuring luxury vinyl plank flooring. The gourmet eat-in kitchen features updated stainless steel appliances, granite countertops, and upgraded 42- inch cabinets. A convenient powder room completes the main floor. The outdoor space is a private retreat! Enjoy your morning coffee or summer grill-outs on the spacious covered deck, which overlooks a fenced-in backyard shaded by mature trees. Beyond the privacy fence, the property continues with additional yard space—perfect for gardening or play—and a large shed for all your storage needs. On the upper level, you’ll find two spacious bedrooms--each upgraded with a ceiling fan-- and an updated full bathroom featuring a large linen closet. The primary bedroom features dual closets and access to the private balcony. The lower level provides plenty of space for storage and has washer and dryer hook-ups.

Getting Around

91
WalkingWalker's Paradise
34
TransitSome Transit
75
BikeVery Bikeable

Schools

Construction

Condition

  • Property condition: Excellent
  • Year built: 1910

Materials

  • Foundation: Stone
  • Construction materials: Brick

Other

  • Builder model: RENOVATED

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Hookup

Basement

  • Area: 546

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Unfinished

Bedrooms & Bathrooms

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

Features

  • Other
  • Finished area below ground: 0
  • Finished area above ground: 1,092

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,638
  • Total interior livable area: 1,092 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 1102094150
  • Attached to another structure: Yes
  • Zoning: DR
  • Special condition: Standard

Features

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

Lot

  • Lot size: 3,000 sqft

Parking

  • Parking features: On Street
  • 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

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $1,845$22,140
Home Insurance *$78$936
Property Taxes $581$6,972
Electricity $281$3,374
Total$2,785$33,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,485/yr
40% on housing$83,550/yr
45% on housing$74,266/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

$334This 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
2026-08-17Listed for sale$365,000
2026-08-07Listing removed$365,000
2026-07-06Listed for sale$365,000
2026-06-26Listing removed$365,000
2026-06-01Price change$365,000
2026-04-10Listed for sale$375,000
2018-02-01Listing removed$339,900
2018-01-25Listed for sale$339,900
2013-02-12Sold$150,000
2013-01-02Sold$70,500
1998-01-23Sold$77,000

For Sale by Agent

AgentBrooke Steinhoff
BrokerageLPT Realty, LLC

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