See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

449 S 3rd St, Oakland, MD, 21550

4beds
2baths
1,928sqft
$275,900
$143price/sqft
$2,100/moest. monthly cost
$84,000/yrincome needed

About This Home

Welcome to this beautifully updated 1901 home in the heart of downtown Oakland, where historic character meets modern convenience. Situated on a charming lot with mature landscaping and blooming trees, this home offers timeless curb appeal with a welcoming covered front porch perfect for relaxing and enjoying the neighborhood. Inside, you’ll find modern updates throughout while preserving classic architectural details. The main level features spacious living areas filled with natural light, a thoughtfully updated kitchen with stylish cabinetry, stainless steel appliances, and sleek countertops, as well as the convenience of a main-floor bedroom and full bath—ideal for guests, a home office, or single-level living. Upstairs, the home offers three additional bedrooms and another full bathroom, providing plenty of space for family, guests, or flexible living arrangements. Large windows throughout the home bring in abundant natural light while highlighting the home’s historic charm. Outside, enjoy a private driveway with carport, offering convenient off-street parking. The property is surrounded by established greenery and colorful seasonal landscaping, creating a peaceful setting just moments from everything downtown Oakland has to offer.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
5/10
Southern Middle SchoolGrades 6-81.7 mi
5/10

Construction

Condition

  • Year built: 1901

Materials

  • Foundation: Block
  • Construction materials: Frame

Notable Dates

  • Major remodel year: 2025

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse/National Folk
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Tankless Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom1

  • Level: Main

Bathroom1

  • Level: Upper

Bedroom1

  • Level: Main

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,928

Heating & Cooling

  • Heating features: Radiator,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,928
  • Total interior livable area: 1,928 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1217009834
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.31 Acres
  • Features: Urban

Parking

  • Total spaces: 1
  • Parking features: Attached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 $1,395$16,740
Home Insurance *$55$660
Property Taxes $369$4,428
Electricity $281$3,374
Total$2,100$25,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,000/yr
40% on housing$63,000/yr
45% on housing$56,000/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

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 21550$208
Garrett County$210

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)

Price History

DateEventPrice
2026-03-11Listed for sale$275,900
2025-11-29Listing removed$2,000
2025-10-19Listed for rent$2,000
2023-11-13Listing removed--
2022-09-15Listing removed$279,900
2022-04-11Listing removed--
2022-03-22Listed for sale$279,900
2022-03-09Contingent$279,900
2022-01-05Listed for sale$279,900
2021-11-12Sold$110,000
2003-05-20Sold$92,000

For Sale by Agent

AgentJustin Liller
BrokerageRailey Realty, Inc.

Similar Homes