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5640 Luther Miles Ln, Marion, MD, 21838

3beds
1baths
1,008sqft
$229,000
$227price/sqft
$2,059/moest. monthly cost
$82,360/yrincome needed

About This Home

Located in the highly desired Cedar Landing area of Marion Station , this 3 bedroom ,1 bath rancher offers 2 full acres of private outdoor space, a definite rare find . The home features a fresh exterior look with several updates . Inside the home has been very well maintained offering the perfect opportunity for your personal touch . Enjoy the peace, privacy, and space this property has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1999

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Dry Wall
  • Flooring: Carpet,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,008

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,008
  • Total interior livable area: 1,008 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2008160090
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 2 Acres
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: Driveway
  • 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

  • Coastal Flooding
    Coastal FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Drought
Hail
Inland Flooding
Ice Storm
Lightning
Strong Wind
Wildfire

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 $1,157$13,884
Home Insurance *$149$1,788
Property Taxes $472$5,664
Electricity $281$3,374
Total$2,059$24,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,594/yr
40% on housing$61,770/yr
45% on housing$54,906/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 21838$74
Somerset County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 21838
Somerset County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-26Price change$229,000
2026-06-28Price change$235,000
2026-06-14Price change$245,000
2026-05-25Listed for sale$249,000
1989-11-08Sold$10,000

For Sale by Agent

AgentKimberly Rayfield
BrokerageEXP Realty, LLC

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