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40 Victoria Sq, Frederick, MD, 21702

3beds
4baths
1,644sqft
$375,000
$228price/sqft
$2,836/moest. monthly cost
$113,440/yrincome needed

About This Home

Nestled in the charming community of The Abbey, this delightful Colonial townhouse exudes warmth and character. Thoughtfully designed living space, featuring three spacious bedrooms and four bathrooms, ensuring comfort and convenience for all. Step inside to discover a harmonious blend of modern functionality. The inviting family room, complete with a cozy quartz fireplace, pairs seamlessly with the eat-in quartz kitchen, which boasts a quartz island and dining space perfect for gatherings. Crown moldings enhance the home's sophisticated ambiance, while hardwood and luxury vinyl plank flooring add a touch of luxury throughout. The exterior is equally captivating, featuring classic brick and vinyl siding, complemented by charming bump-outs and exterior lighting. Enjoy serene moments on the deck. This townhome includes an attached garage and driveway parking. Convenience is key with community amenities such as basketball, tennis courts, and playgrounds. Experience the unique craftsmanship and inviting atmosphere of this exceptional property, where every detail has been designed with comfort in mind. Don't miss the opportunity to make this charming townhouse your new home! to provide an extra layer of protection, seller can offer a home warranty.

Getting Around

46
WalkingCar-Dependent
28
TransitSome Transit
43
BikeSomewhat Bikeable

Schools

4/10
5/10
Monocacy Middle SchoolGrades 6-82.9 mi
5/10

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven/Range - Electric,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Lower Level

Bathroom1

  • Features: Bathroom - Tub Shower,Countertop(s) - Quartz
  • Level: Upper

Bathroom2

  • Features: Bathroom - Tub Shower,Countertop(s) - Quartz
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Family Room

  • Features: Built-in Features,Fireplace - Electric,Flooring - HardWood
  • Level: Upper

Features

  • Bathroom - Tub Shower,Built-in Features,Ceiling Fan(s),Chair Railings,Combination Kitchen/Dining,Crown Molding,Family Room Off Kitchen,Floor Plan - Traditional,Eat-in Kitchen,Kitchen Island,Kitchen - Table Space,Primary Bath(s),Recessed Lighting,Cathedral Ceiling(s),Dry Wall
  • Flooring: Hardwood,Luxury Vinyl,Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,644

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,644
  • Total interior livable area: 1,644 sqft

Kitchen

  • Features: Countertop(s) - Quartz,Crown Molding,Dining Area,Flooring - Luxury Vinyl Plank,Kitchen Island,Kitchen - Electric Cooking,Recessed Lighting
  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1102151308
  • Zoning: R16
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Exterior features: Bump-outs,Lighting,Rain Gutters,Street Lights
  • Fencing: Back Yard

Lot

  • Lot size: 1,742 sqft
  • Features: Backs - Open Common Area,Rear Yard

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Asphalt,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Heat Wave
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 $1,896$22,752
Home Insurance *$80$960
Property Taxes $579$6,948
Electricity $281$3,374
Total$2,836$34,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,234/yr
40% on housing$85,080/yr
45% on housing$75,626/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

$228This 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)

Price History

DateEventPrice
2026-06-25Listed for sale$375,000
2023-01-31Sold$305,000
2023-01-30Pending sale$299,900
2023-01-10Contingent$299,900
2023-01-05Listed for sale$299,900
2017-05-23Sold$192,000
2017-01-26Pending sale$185,000
2017-01-20Price change$185,000
2016-12-27Listed for sale$200,000
2014-11-30Listing removed$1,450
2014-11-17Listed for rent$1,450
2013-11-19Listing removed$1,400
2013-10-22Price change$1,400
2013-09-15Listed for rent$1,450
2006-10-27Sold$270,000
2003-04-10Sold$157,900
2001-08-20Sold$137,800
1996-09-25Sold$117,950

For Sale by Agent

AgentWendy Hernandez Cardoza
BrokerageRealty 1 Maryland, LLC

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