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

16821 Tow Path Ln, Sharpsburg, MD, 21782

4beds
3baths
3,552sqft
$515,000
$145price/sqft
$3,724/moest. monthly cost
$148,960/yrincome needed

About This Home

Escape to the quiet, private community of Tow Path Lane, where this rare 3-acre estate offers more than just a home—it offers the freedom to live your life without compromise. From the wide-open landscape to the thoughtfully designed interiors, this property is a masterclass in space, privacy, and versatility. The Main Residence The heart of the home features a seamless open-concept design anchored by rich, authentic hardwood floors that flow through the living areas and into the primary suite. Restful Retreats: Three spacious bedrooms and two full baths provide plenty of room for family or guests. Outdoor Living: Unwind on the screened back porch, your private front-row seat to the tranquil local wildlife. The Versatile In-Law Suite The oversized, apartment-style guest wing offers endless possibilities. Complete with its own full kitchen, expansive counter space, and a private bath, this area is perfect for extended family, a premium guest retreat, or a lucrative rental opportunity. A Hobbyist’s Dream Garage The attached garage is a destination of its own. Fully heated and cooled for year-round comfort, it features a dedicated electrical panel and utility sink—ideal for a professional-grade workshop, car collection, or creative studio. Entertainment & Flexibility Cinema at Home: Host unforgettable movie nights in the dedicated theater room. Bonus Space: A large additional flex area is ready to become your sun-drenched home office, a vibrant game room, or a private gym. Your Gateway to Adventure While your 3-acre lot offers total seclusion, you are moments away from the best of the region's natural and historical landmarks: Scenic Trails: Hike or bike the C&O Canal Trail and explore the Antietam National Battlefield. Local Charm: Spend your weekends at the Antietam Creek Vineyards or exploring the depths of Crystal Grottoes Caverns. Claim your space. Live your lifestyle. Welcome home. Note: Some images may feature virtual staging or digital editing to highlight the home’s full potential.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

5/10
8/10
Boonsboro Middle SchoolGrades 6-87.8 mi
8/10
Boonsboro High SchoolGrades 9-127.6 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Block,Crawl Space
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,552

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,552
  • Total interior livable area: 3,552 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2201008072
  • Zoning: P
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio,Porch,Screened

Lot

  • Lot size: 3 Acres
  • Features: Wooded,Rural,Interior Lot

Parking

  • Total spaces: 12
  • Parking features: Built In,Storage,Covered,Attached,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Drought
    DroughtModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
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 $2,604$31,248
Home Insurance *$241$2,892
Property Taxes $427$5,124
Electricity $452$5,430
Total$3,724$44,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,680/yr
40% on housing$111,720/yr
45% on housing$99,306/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$145This listing

vs Other Active Listings

Avg $/sqft

ZIP 21782$147
Washington County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 21782$202
Washington County$193

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
2026-04-23Price change$515,000
2026-02-23Price change$520,000
2026-02-22Price change$524,964
2026-02-21Price change$524,965
2026-02-19Price change$524,967
2026-02-17Price change$524,969
2026-02-15Price change$524,971
2026-02-14Price change$524,972
2026-02-12Price change$524,974
2026-02-10Price change$524,976
2026-02-08Price change$524,978
2026-02-07Price change$524,979
2026-02-06Price change$524,980
2026-02-05Price change$524,981
2026-02-04Price change$524,983
2026-02-03Price change$524,984
2026-02-01Price change$524,985
2026-01-30Price change$524,987
2026-01-28Price change$524,989
2026-01-25Price change$524,990
2026-01-24Price change$524,991
2026-01-22Price change$524,992
2026-01-20Price change$524,994
2026-01-19Price change$524,995
2026-01-17Listed for sale$524,996
2021-01-13Sold$330,000
2016-10-03Sold$294,000
1996-01-29Sold$120,000

For Sale by Agent

AgentChris Craddock
BrokerageEXP Realty, LLC

Similar Homes