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6144 Mount Phillip Rd, Frederick, MD, 21703

3beds
2baths
2,800sqft
$470,000
$168price/sqft
$3,320/moest. monthly cost
$132,800/yrincome needed

About This Home

Welcome home to this beautiful raised ranch offering breathtaking countryside views and an abundance of natural light throughout. Perfectly situated just minutes from the city with no city taxes, this home combines peaceful country living with everyday convenience. The main level features gorgeous hardwood flooring throughout the living areas and bedrooms. The spacious living room is filled with sunlight from a stunning picture window and two skylights, making it the perfect place to relax while enjoying the scenic views. The open kitchen features tile flooring and includes all stainless steel appliances. Both bathrooms have been tastefully remodeled. The fully finished lower level expands your living space with a cozy family room featuring a wood-burning fireplace, along with dedicated exercise and hobby rooms, laundry area with plenty of storage options. Step outside to the rear deck overlooking a park-like backyard—an ideal setting for entertaining, outdoor dining, or simply taking in the peaceful surroundings. Don't miss this move-in ready home that offers comfort, character, and incredible views in a location that provides the best of both country charm and city convenience. Schedule your showing today!

Getting Around

4
WalkingCar-Dependent
0
TransitNo Nearby Transit
1
BikeSomewhat Bikeable

Schools

5/10
5/10
Crestwood Middle SchoolGrades 6-83.8 mi
4/10
Frederick High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Brick Front,Masonite

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Oven/Range - Electric,Range Hood,Refrigerator,Washer,Water Heater,Electric Water Heater
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom2

  • Features: Flooring - HardWood
  • Level: Main

Bedroom2

  • Features: Flooring - HardWood
  • Level: Main

Bedroom3

  • Features: Flooring - HardWood
  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Exercise Room

  • Level: Lower

Family Room

  • Features: Fireplace - Wood Burning
  • Level: Lower

Features

  • Attic/House Fan,Ceiling Fan(s),Combination Kitchen/Dining,Kitchen Island,Recessed Lighting,Dry Wall
  • Door features: French Doors
  • Window features: Skylight(s),Wood Frames
  • Flooring: Hardwood,Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 1,400
  • Finished area above ground: 1,400

Foyer

  • Level: Lower

Heating & Cooling

  • Heating features: Heat Pump,Baseboard,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Attic Fan,Electric

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Kitchen

  • Features: Flooring - Tile/Brick
  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Features: Flooring - HardWood
  • Level: Main

Other

  • Level: Lower

Primary Bathroom

  • Features: Flooring - Tile/Brick
  • Level: Main

Primary Bedroom

  • Features: Flooring - HardWood
  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1124448126
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Bi-Level,Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Garden,Valley

Lot

  • Lot size: 0.46 Acres

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,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 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 $2,376$28,512
Home Insurance *$98$1,176
Property Taxes $490$5,880
Electricity $356$4,280
Total$3,320$39,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,828/yr
40% on housing$99,600/yr
45% on housing$88,533/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

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 21703$175
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21703$226
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
2026-07-15Listed for sale$470,000
2019-05-17Listing removed$337,000
2019-05-16Listed for sale$337,000
2019-05-14Sold$325,000
2019-03-20Pending sale$337,000
2019-03-08Listed for sale$337,000
2015-01-01Sold$254,900
2013-10-29Listing removed$1,695
2013-10-10Listed for rent$1,695
2011-10-28Sold$254,900
2010-12-01Listing removed$200,000
2010-09-29Price change$200,000
2010-07-08Price change$299,900
2010-02-27Price change$305,000
2009-08-29Price change$319,900
2009-02-26Price change$339,900
2008-07-29Price change$364,900
2008-05-27Price change$374,900
2008-02-14Listed for sale$384,900
1998-08-18Sold$139,900

For Sale by Agent

AgentJennifer Gordon
BrokerageCharis Realty Group

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