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426 New Germany Rd, Swanton, MD, 21561

3beds
2baths
1,474sqft
$220,000
$149price/sqft
$1,670/moest. monthly cost
$66,800/yrincome needed

About This Home

3 BR 2 Bath with dinning room ,craft room or office-mobile w/ built on addition situated on 1.64 acres adjoining state forest. Within minutes of New Germany State Park. Nine miles from Deep Creek State Park. Property is SOLD AS-IS. Total main bathroom remodel 2022. New windows. This is a nice starter home for a family, would make a great BRB, or a contractors dream.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
5/10

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Shake / Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Tile,Hardwood,Linoleum / Vinyl
  • Fireplace: Yes

Heating

  • Heating features: Other,Stove,Wall,Electric,Gas,Oil,Wood / Pellet

Interior Area

  • Total interior livable area: 1,474 sqft

Property

Details

  • Parcel number: 12006853

Features

  • Exterior features: Other,Shingle

Lot

  • Lot size: 1.64 Acres

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

  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $1,112$13,344
Home Insurance *$53$636
Property Taxes $224$2,688
Electricity $281$3,374
Total$1,670$20,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,257/yr
40% on housing$50,100/yr
45% on housing$44,533/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 21561$245
Garrett County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 21561
Garrett County$257

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
2026-07-28Listed for sale$220,000
2021-07-19Sold$54,500
2009-11-09Sold$55,000
2009-07-05Price change$65,000
2009-04-14Listed for sale$79,500
2009-02-19Sold$50,000

For Sale by Owner

AgentProperty Owner

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