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630 Salem Ave, Hagerstown, MD, 21740

2beds
--baths
1,498sqft
$220,000
$147price/sqft
$1,628/moest. monthly cost
$65,120/yrincome needed

About This Home

Calling all investors or savvy owner occupants! Over-under duplex available in Hagerstown for approachable price point. Lower level unit is currently rented for $1,000 per month(month to month lease with 20 year tenant) and the upper unit is vacant(formerly $1,000 per month) and ready for owner occupancy or future tenant. This well-maintained duplex on Salem Ave in Hagerstown offers a fantastic opportunity to add a turnkey income property to your portfolio. Each unit features 1 bedroom and 1 full bath, making it ideal for tenants seeking low-maintenance living. Major exterior upgrades have already been taken care of, with both the flat roof and shingle roof, along with all gutters, replaced in 2025, giving the new owner peace of mind for years to come. The driveway offers parking for up to four vehicles, a major bonus for tenants and a key feature for maximizing rental appeal. Conveniently located close to shopping, restaurants, and Hagerstown's entertainment district, with easy access to Route 81 and Route 70 for commuters. Whether you're looking to expand your rental portfolio or house-hack with one unit while renting the other, this property is full of potential. Don't miss this opportunity!

Getting Around

72
WalkingVery Walkable
26
TransitSome Transit
55
BikeBikeable

Schools

7/10
3/10
4/10

Construction

Condition

  • Year built: 1904

Materials

  • Foundation: Stone,Crawl Space
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Architectural style: Colonial
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Microwave,Refrigerator,Cooktop,Electric Water Heater

Basement

  • Area: 749

Bedrooms & Bathrooms

  • Bedrooms: 2

Features

  • Flooring: Carpet,Luxury Vinyl

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 2,247
  • Total interior livable area: 1,498 sqft

Property

Accessibility

  • Accessibility features: Accessible Doors

Details

  • Parcel number: 2225002350
  • Zoning: RMED
  • Special condition: Standard

Features

  • Pool features: None

Lot

  • Lot size: 2,688 sqft

Parking

  • Total spaces: 4
  • Parking features: On Street,Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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 WeatherModerate

How This Home’s Risks Compare

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 $1,112$13,344
Home Insurance *$83$996
Property Taxes $152$1,824
Electricity $281$3,374
Total$1,628$19,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,817/yr
40% on housing$48,840/yr
45% on housing$43,413/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

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 21740$129
Washington County$148

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
2026-06-18Listed for sale$220,000
2023-08-31Sold$188,000
2023-07-26Pending sale$188,000
2023-07-06Price change$188,000
2023-06-30Price change$188,500
2023-06-16Listed for sale$189,000
2020-03-18Sold$55,000
2004-12-28Sold$80,500

For Sale by Agent

AgentDrew Hopley
BrokerageKeller Williams Realty Centre

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