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307 Upper College Ter, Frederick, MD, 21701

5beds
5baths
6,723sqft
$3,249,000
$483price/sqft
$22,935/moest. monthly cost
$917,400/yrincome needed

About This Home

***BACK ON THE MARKET***REPRICED TO MARKET***SELLER FINANCING POTENTIAL***Baker Park grandeur on a quad sized lot – Indulge in over 6,000 SF of living space in this circa 1917 brick & marble Italian estate nestled on over 1 acre on one of the most desirable streets in the premier neighborhood of Frederick. Charming four level brick & marble home in downtown Frederick in the established tree lined neighborhood of Baker Park. 307 Upper College Terrace enjoys a fantastic location within close proximity to Baker Park, Culler Lake, Hood College and everything downtown Frederick has to offer. Over $800,000 in upgrades to home and grounds since purchased. Featuring a traditional lay-out with modern finishes, the main level enjoys high ceilings, hardwood floors, pocket doors, an oversized formal living room with fireplace, oversized formal dining room and study, sun room, two half-bathrooms and a bright oversized eat-in gourmet kitchen with an abundance of natural light. Walk out of the kitchen to a stone patio perfect for BBQing and enjoy the grounds on this oversized quad lot. (Parcel is 1.1± ac, originally 4 city lots). The grounds feature many mature trees, a tennis court, and stone pond with fountain, adding to the tranquility of this estate. The former detached garage has been converted into an open and finished space perfect for recreation or entertaining. The second floor of the home features the master suite & sitting room, featuring an en-suite luxury bathroom with soaking tub and a glass enclosed walk-in shower. The master suite also features a balcony with relaxing views, ceiling fans, laundry chute, and ample closet space. Rounding out the second floor are multiple additional bedrooms, an additional renovated hall bathroom with dual sinks & glass enclosed shower, and an easily accessible second floor laundry room equipped with a utility sink and washer and dryer, and additional access to the second floor balcony. The upper level boasts of an oversized rooftop terrace with expansive city views, including the St. John’s bell tower. The remainder of the upper level has been updated as a suite consisting of a large open room with dormer windows, an expansive walk-in cedar closet, and renovated bathroom. The basement is partially finished with a recreation room / office, large storage room, additional laundry room, storage area, and mechanicals. Private showings by appointment, contact listing agent for more details.

Getting Around

67
WalkingSomewhat Walkable
28
TransitSome Transit
79
BikeVery Bikeable

Schools

7/10
Parkway Elementary SchoolGrades PK-50.4 mi
6/10
4/10
Frederick High SchoolGrades 9-120.3 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1917

Materials

  • Foundation: Permanent
  • Roof: Tile
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Built-In Range,Dishwasher,Disposal,Dryer,Extra Refrigerator/Freezer,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Upper Level,In Basement

Basement

  • Area: 2948

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2
  • Main level bathrooms: 2

Features

  • Additional Stairway,Attic,Bathroom - Stall Shower,Breakfast Area,Butlers Pantry,Cedar Closet(s),Crown Molding,Dining Area,Flat,Formal/Separate Dining Room,Eat-in Kitchen,Kitchen - Gourmet,Kitchen Island,Kitchen - Table Space,Pantry,Upgraded Countertops,Wine Storage,Dry Wall,Plaster Walls
  • Flooring: Hardwood,Wood
  • Number of fireplaces: 3
  • Fireplace: Yes
  • Finished area below ground: 500
  • Finished area above ground: 6,223

Heating & Cooling

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

Interior Area

  • Total structure area: 9,171
  • Total interior livable area: 6,723 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1102116014
  • Zoning: R6
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Pool features: None
  • Patio & porch: Patio,Porch,Terrace,Roof Deck
  • Exterior features: Tennis Court(s),Water Fountains,Other,Balcony
  • Has view: Yes
  • View description: City,Garden

Lot

  • Lot size: 1.10 Acres

Parking

  • Parking features: Driveway,Off 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

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

How This Home’s Risks Compare

Hail
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 $16,428$197,136
Home Insurance *$700$8,400
Property Taxes $4,951$59,412
Electricity $856$10,278
Total$22,935$275,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$786,342/yr
40% on housing$688,050/yr
45% on housing$611,600/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

$483This listing

vs Other Active Listings

Avg $/sqft

ZIP 21701$219
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
2026-04-18Price change$3,249,000
2026-03-13Listed for sale$3,499,000
2026-02-01Pending sale$3,499,000
2026-01-16Listed for sale$3,499,000
2006-09-08Sold$2,200,000

For Sale by Agent

AgentSeamus Fitzgerald
BrokerageFitzgerald Realty Group, Inc.

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