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809 W Main St, Emmitsburg, MD, 21727

1beds
1baths
822sqft
$190,000
$231price/sqft
$1,547/moest. monthly cost
$61,880/yrincome needed

About This Home

Small but charming place. Everyone in town calls it the Dollhouse. There is a front room, a middle room and then a back Country Kitchen... off of the middle room you go upstairs to a bedroom and a loft and a bath. It really is quaint and is worth seeing! The neighborhood is safe and pleasant. Close walk to the pool and an idyllyc walk out back. Great for both the city mouse and the country mouse. We were so happy here! The pics my tenant sent are not flattering at all. Must see to get the idea. I can send video upon request. Take care to all who read this listing.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

6/10
4/10
Thurmont Middle SchoolGrades 6-87.1 mi
5/10
Catoctin High SchoolGrades 9-126.2 mi

Construction

Condition

  • Year built: 1890

Materials

  • Roof: Metal

Type & Style

  • Home type: Townhouse

Interior

Appliances

  • Appliances included: Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Heating

  • Heating features: Baseboard,Other,Radiant,Electric

Interior Area

  • Total interior livable area: 822 sqft

Property

Details

  • Parcel number: 05163021

Features

  • Exterior features: Other,Vinyl
  • Has view: Yes
  • View description: City,Mountain

Lot

  • Lot size: 3,630 sqft

Parking

  • Parking features: On-street

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 $960$11,520
Home Insurance *$63$756
Property Taxes $243$2,916
Electricity $281$3,374
Total$1,547$18,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,040/yr
40% on housing$46,410/yr
45% on housing$41,253/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

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 21727$173
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21727$193
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
2026-06-16Listed for sale$190,000
2012-07-26Sold$40,000

For Sale by Owner

AgentProperty Owner

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