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9947 Crossfield Rd, Hagerstown, MD, 21740

8beds
--baths
1,428sqft
$675,000
$473price/sqft
$4,538/moest. monthly cost
$181,520/yrincome needed

About This Home

NO CITY TAXES – LEAD FREE- Rare Multi-Unit Investment Opportunity This FHA-eligible 4-unit property in Hagerstown is a rare chance to acquire three adjoining parcels deeded together, totaling nearly 1 acre (≈40,000 sq ft). The property includes four residential rental units plus a large 2-bay garage for added income potential, all with no city taxes. The layout features two detached single-family homes, each with 4 bedrooms and 2 baths, and a larger brick building containing two fully renovated 1-bedroom, 1-bath apartments. All structures are solid brick and block construction, built to last. The one-bedroom units were gutted and rebuilt with all new LVP flooring, drywall, doors, windows, fixtures, kitchens, and baths. Recent capital improvements across the property include new roofs, gutters, replacement windows, and updated plumbing and electrical systems. The nearly acre-sized footprint offers plenty of off-street parking and a convenient location near shopping, schools, restaurants, and commuter routes. This lead-free property is safer, easier to insure, and highly attractive to tenants. It is also FHA-eligible, making it perfect for an owner-occupant who can purchase with as little as 3.5% down. Live in one unit while rental income from the other three units plus the garage helps cover your mortgage. Whether you are a first-time buyer or an experienced investor, this property offers strong returns, long-term value, and flexibility rarely found in Washington County. With its combination of condition, income potential, multiple parcels, and no city taxes, this is truly a one-of-a-kind investment opportunity in the heart of Hagerstown.

Getting Around

7
WalkingCar-Dependent
0
TransitNo Nearby Transit
15
BikeSomewhat Bikeable

Schools

4/10
8/10
Boonsboro Middle SchoolGrades 6-85.2 mi
8/10
Boonsboro High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 1951

Materials

  • Foundation: Permanent
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Architectural style: Other
  • Property subType: Quadruplex

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 952

Bedrooms & Bathrooms

  • Bedrooms: 8

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,380
  • Total interior livable area: 1,428 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2216009741
  • Zoning: R021
  • Special condition: Standard

Features

  • Pool features: None

Lot

  • Lot size: 10,000 sqft

Parking

  • Parking features: Off Street,Parking Lot

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
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Hurricane
Inland Flooding
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 $3,413$40,956
Home Insurance *$257$3,084
Property Taxes $587$7,044
Electricity $281$3,374
Total$4,538$54,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,588/yr
40% on housing$136,140/yr
45% on housing$121,013/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

$473This listing

vs Other Active Listings

Avg $/sqft

ZIP 21740$127
Washington County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 21740$180
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
2026-04-22Price change$675,000
2026-01-16Listed for sale$745,000
2026-01-01Listing removed$750,000
2025-08-05Listed for sale$750,000

For Sale by Agent

AgentRoberto Gonzalez
BrokerageRG Realty, Inc.

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