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246 E 7th St, Frederick, MD, 21701

2beds
1baths
1,008sqft
$445,000
$441price/sqft
$3,326/moest. monthly cost
$133,040/yrincome needed

About This Home

Let's be honest—finding a Downtown Frederick home with updated systems, abundant parking, a detached garage, outdoor living space, and actual storage usually requires finding three different properties and combining them into one. Fortunately, someone already did that for you. Welcome to a rare opportunity to own a thoughtfully updated single-family home in one of Frederick's most desirable locations. Just minutes from the shops, restaurants, breweries, parks, and entertainment that make Downtown Frederick such a sought-after destination, this charming two-bedroom, one-bath residence offers the perfect blend of character, convenience, and functionality. One of the first things you'll appreciate is the peace of mind that comes from knowing the major improvements have already been completed. Recent updates include a new HVAC system and heat pump, updated electrical and plumbing, updated bathroom fixtures, newer appliances, washer and dryer, and numerous additional improvements throughout the home. The roof has been professionally rubberized within the last two years, while the exterior wood fascia and trim have been wrapped to help reduce maintenance and enhance durability for years to come. Inside, you'll find a warm and inviting atmosphere that feels both comfortable and practical. Natural light fills the living spaces, creating an environment that's equally suited for relaxing evenings at home or entertaining family and friends. The layout maximizes every square foot while maintaining the charm and personality buyers love in Downtown Frederick properties. Storage is often at a premium in older homes, but not here. The dedicated laundry room offers an abundance of cabinetry and storage space, helping keep everyday living organized and efficient. Additional storage can be found in the floored attic, providing valuable room for seasonal decorations, keepsakes, and everything else that never seems to have a permanent place. One of the home's most unique features is the private balcony-style deck accessed directly from the second bedroom. Whether you're enjoying your morning coffee, reading a book, or simply unwinding after a long day, this elevated outdoor space offers a peaceful view overlooking the backyard and creates a retreat that's rarely found in homes of this size. The outdoor amenities continue with a beautifully designed paver patio that creates the perfect setting for outdoor dining, weekend cookouts, or gathering with friends. A walkway leads to a large storage shed, providing additional space for tools, equipment, hobbies, and seasonal items. The backyard itself offers plenty of room to garden, entertain, or simply enjoy your own private outdoor oasis. Then there's the feature that truly separates this property from much of the competition: parking. Anyone familiar with Downtown Frederick understands how valuable off-street parking can be. This property features a detached two-car garage complete with electric service, making it ideal for vehicles, a workshop, or additional storage. In addition, there is off-street parking for four or more vehicles outside of the garage—a rare and highly desirable amenity that will be appreciated every single day. After years of helping buyers and sellers throughout Frederick County, I've learned that the homes people regret missing are usually the ones that check boxes they didn't expect to find together. Updated systems, a detached garage, abundant parking, outdoor living spaces, excellent storage, and a location close to everything Downtown Frederick has to offer rarely come packaged in one property. Move-in ready, thoughtfully improved, and loaded with features that today's buyers are searching for, this is the kind of Downtown Frederick opportunity that doesn't come along often.

Getting Around

87
WalkingVery Walkable
33
TransitSome Transit
72
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Permanent
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 336

Basement

  • Has basement: Yes
  • Basement: Exterior Entry

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,008

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,008 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1102111365
  • Zoning: DR
  • Special condition: Standard

Features

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

Lot

  • Lot size: 4,410 sqft

Parking

  • Total spaces: 6
  • Parking features: Oversized,Detached,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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 $2,250$27,000
Home Insurance *$95$1,140
Property Taxes $700$8,400
Electricity $281$3,374
Total$3,326$39,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,034/yr
40% on housing$99,780/yr
45% on housing$88,693/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

$441This 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
2026-07-15Price change$445,000
2026-06-02Listed for sale$475,000

For Sale by Agent

AgentBrian King
BrokerageSamson Properties

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