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428 Sam Snead Cir, Oakland, MD, 21550

5beds
4baths
3,000sqft
$599,000
$200price/sqft
$4,359/moest. monthly cost
$174,360/yrincome needed

About This Home

This 3000 square foot single family home has 5 bedrooms and 4.0 bathrooms. This home is located at 428 Sam Snead Cir, Oakland, MD 21550.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

4/10
5/10
Southern Middle SchoolGrades 6-81.9 mi
5/10

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Range / Oven,Refrigerator,Trash compactor,Washer

Basement

  • Basement: Basement (not specified)

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Other,Gas,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 3,000 sqft

Property

Details

  • Parcel number: 17001396

Features

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

Lot

  • Lot size: 0.78 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached

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
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Drought
Hail
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 $3,028$36,336
Home Insurance *$121$1,452
Property Taxes $828$9,936
Electricity $382$4,586
Total$4,359$52,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,451/yr
40% on housing$130,770/yr
45% on housing$116,240/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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 21550$206
Garrett County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 21550
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)

No zestimate history available

Price History

DateEventPrice
2026-03-18Price change$615,000
2026-02-18Listed for sale$635,000

For Sale by Owner

AgentProperty Owner

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