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125 Sentry Rdg, Smithsburg, MD, 21783

3beds
3baths
2,472sqft
$320,000
$129price/sqft
$2,312/moest. monthly cost
$92,480/yrincome needed

About This Home

Inviting townhouse residence offering 3 bedrooms, 2.5 bathrooms, and 2,472 finished square feet in desirable Whispering Ridge. Step inside the welcoming interior, where fresh carpeting installed this year complements the home's inviting spaces. For added peace of mind, the home features a roof replaced in 2024 and an updated HVAC system installed in 2026. The entry-level foyer provides access to the attached 1-car garage and opens to a spacious recreation room with a conveniently located laundry closet, enjoy a versatile game room that includes a pool table, which conveys with the property. Walk-out access to the backyard, offering flexible space for entertaining, hobbies, or a home office. Ascend to the traditional main living level, where the spacious living room is highlighted by charming bay windows, plush carpeting, and crown molding. A conveniently located powder room adds everyday functionality. The well-appointed eat-in kitchen features luxury vinyl tile flooring recently installed in 2025, a center island with breakfast bar seating, stainless steel appliances (2024), warm wood cabinetry, abundant counter space, and a pantry for additional storage. Adjacent to the kitchen, a cozy breakfast room offers the perfect space for casual dining. Seamlessly connected, the formal dining room—or optional family room—provides additional living space with plush carpeting and sliding glass doors leading to the deck. The upper level offers three generously sized carpeted bedrooms and two full bathrooms. The spacious owner's suite serves as a comfortable retreat with a vaulted cathedral ceiling, a walk-in closet, and a private ensuite beautifully remodeled in 2022 featuring a dual-sink vanity, a soaking tub, and a separate shower. Enjoy outdoor living on the elevated deck, complete with privacy panels for added seclusion, overlooking the lower fenced yard with direct access to open green space beyond. This thoughtfully designed home combines spacious living areas, functional updates, and a desirable community setting for comfortable everyday living.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

5/10
10/10
Smithsburg Middle SchoolGrades 6-81.0 mi
8/10
Smithsburg High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Other
  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Freezer,Ice Maker,Self Cleaning Oven,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Exhaust Fan,Microwave,Electric Water Heater
  • Laundry features: Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Full,Front Entrance,Finished,Garage Access,Heated,Improved,Interior Entry,Exterior Entry,Rear Entrance,Walk-Out Access,Windows

Bathroom2

  • Features: Flooring - Vinyl
  • Level: Upper

Bedroom2

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 90
  • Dimensions: 10 X 9

Bedroom3

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 110
  • Dimensions: 11 X 10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Breakfast Room

  • Features: Flooring - Luxury Vinyl Tile
  • Level: Main
  • Area: 70
  • Dimensions: 7 X 10

Dining Room

  • Features: Flooring - Carpet
  • Level: Main
  • Area: 228
  • Dimensions: 19 X 12

Features

  • Attic,Breakfast Area,Ceiling Fan(s),Crown Molding,Dining Area,Floor Plan - Traditional,Formal/Separate Dining Room,Eat-in Kitchen,Kitchen Island,Primary Bath(s),Walk-In Closet(s),9'+ Ceilings,Cathedral Ceiling(s),Dry Wall,High Ceilings
  • Window features: Screens
  • Flooring: Carpet,Ceramic Tile,Luxury Vinyl,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 2,472

Foyer

  • Features: Flooring - Luxury Vinyl Tile
  • Level: Lower
  • Area: 72
  • Dimensions: 6 X 12

Game Room

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 228
  • Dimensions: 19 X 12

Half Bath

  • Features: Flooring - Vinyl
  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,472
  • Total interior livable area: 2,472 sqft

Kitchen

  • Features: Kitchen Island,Flooring - Vinyl,Pantry
  • Level: Main
  • Area: 169
  • Dimensions: 13 X 13

Laundry

  • Features: Flooring - Vinyl
  • Level: Lower

Living Room

  • Features: Crown Molding,Flooring - Carpet
  • Level: Main
  • Area: 306
  • Dimensions: 18 X 17

Primary Bathroom

  • Features: Double Sink,Flooring - Ceramic Tile
  • Level: Upper

Primary Bedroom

  • Features: Window Treatments,Walk-In Closet(s),Flooring - Carpet,Cathedral/Vaulted Ceiling
  • Level: Upper
  • Area: 228
  • Dimensions: 19 X 12

Recreation Room

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 187
  • Dimensions: 17 X 11

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: 2207029527
  • Zoning: RR
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Sidewalks
  • Fencing: Board,Privacy

Lot

  • Lot size: 1,958 sqft
  • Features: Backs - Open Common Area,Landscaped,Level,Suburban

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Asphalt,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Heat Wave
Lightning
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 $1,618$19,416
Home Insurance *$137$1,644
Property Taxes $243$2,916
Electricity $314$3,779
Total$2,312$27,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,268/yr
40% on housing$69,360/yr
45% on housing$61,653/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

$129This listing

vs Other Active Listings

Avg $/sqft

ZIP 21783$231
Washington County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 21783$207
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
2026-08-10Price change$315,000
2026-07-31Listed for sale$320,000
2021-12-10Sold$253,000
2021-11-06Pending sale$254,900
2021-11-06Contingent$254,900
2021-11-04Pending sale$249,900
2021-11-04Contingent$249,900
2021-10-15Price change$249,900
2021-09-15Listed for sale$254,900
2002-12-10Sold$154,539

For Sale by Agent

AgentBob Lucido
BrokerageKeller Williams Lucido Agency

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