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8409 Walter Martz Rd, Frederick, MD, 21702

3beds
3baths
2,760sqft
$520,000
$188price/sqft
$3,626/moest. monthly cost
$145,040/yrincome needed

About This Home

REDUCED TO $499,999! This new number speaks for itself ** This terrific home has been well loved and cared for by the current owners, but now they are ready to move on. Walk right in and do NOTHING when you choose this home. Come relax in your custom brick home that offers two great levels of living, as well as outdoor entertainment area. Just minutes off of Route 15 and close to shopping, restaurants but set amongst a serene countryside setting. Gorgeous primary suite with large spa bathroom and huge walk-in dressing room. Living room has large picture window to enjoy mountain views, as well as a brick front fireplace. The lower level includes not 1 but 2 spacious rooms for use as rec room, playroom, exercise room -- with full bathroom and bedroom, as well as the 2nd brick front fireplace. This property is a fantastic choice for buyers and provides ease of living with upgrades throughout. Roof recently replaced and plenty of room for your guest parking when you entertain in your new home.

Getting Around

0
WalkingCar-Dependent
11
TransitMinimal Transit
14
BikeSomewhat Bikeable

Schools

5/10
Monocacy Middle SchoolGrades 6-81.7 mi
5/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1962

Materials

  • Foundation: Block,Brick/Mortar,Active Radon Mitigation
  • Roof: Composition
  • Construction materials: Brick

Notable Dates

  • Major remodel year: 2022

Other

  • Builder model: Charming

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Treat System,Gas Water Heater
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Finished,Exterior Entry,Workshop,Other

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Exercise Room

  • Level: Lower

Family Room

  • Level: Lower

Features

  • Attic,Breakfast Area,Ceiling Fan(s),Dining Area,Entry Level Bedroom,Floor Plan - Traditional,Eat-in Kitchen,Primary Bath(s),Walk-In Closet(s)
  • Flooring: Hardwood,Wood
  • Number of fireplaces: 2
  • Fireplace features: Brick,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,300
  • Finished area above ground: 1,460

Heating & Cooling

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

Interior Area

  • Total structure area: 2,760
  • Total interior livable area: 2,760 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Utility Room

  • Level: Main

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 1121423467
  • Zoning: 00
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Mountain(s),Panoramic

Lot

  • Lot size: 0.46 Acres

Parking

  • Total spaces: 7
  • Parking features: Attached Carport,Driveway
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5
  • Carport: Yes
  • Carport spaces: 2

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

How This Home’s Risks Compare

Winter Weather
Hail
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 $2,629$31,548
Home Insurance *$111$1,332
Property Taxes $535$6,420
Electricity $351$4,219
Total$3,626$43,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,320/yr
40% on housing$108,780/yr
45% on housing$96,693/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

$188This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Price change$499,999
2026-06-26Price change$520,000
2026-06-03Price change$538,500
2026-05-23Listed for sale$560,000
2022-02-04Sold$450,000
2021-12-30Pending sale$435,000
2021-12-27Listed for sale$435,000
2017-06-26Sold$335,000
2017-05-09Pending sale$334,900
2017-05-03Price change$334,900
2017-04-22Listed for sale$340,000
2013-09-11Sold$165,500
2013-07-27Price change$314,990
2013-03-19Listed for sale$159,900
2013-01-24Sold$150,450
1999-12-15Sold$154,900

For Sale by Agent

AgentKatie Anselmo
BrokerageRLAH @properties

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