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9 Arrowhead Trl, Cumberland, MD, 21502

4beds
3baths
1,911sqft
$401,990
$210price/sqft
$2,885/moest. monthly cost
$115,400/yrincome needed

About This Home

THIS HOME IS TO BE BUILT!!! SEVERAL FLOOR PLANS AVAILABLE! The Topaz home design is a single-family home, from our signature Gem Series, with 4 bedrooms, 2.5 baths, and a 2-car garage. As you walk in the first floor is an expansive great room with an open floorplan of the kitchen and breakfast nook. The openness of these areas offers plenty of space for informal dining and entertaining. Complement the kitchen by adding an optional Sunroom or add an island in the heart of the cooking space; enhancing the kitchen's storage and counter space. Beyond the breakfast nook lies a short hallway with a powder room, closet, garage entry, and a choice room. As you climb up the stairs to the second floor you find a generous owner's suite with a walk-in closet and a bathroom with a shower and private water closet. The owner's suite shares the level with three additional bedrooms, a laundry room, and a full hall bath.

Getting Around

4
WalkingCar-Dependent
18
TransitMinimal Transit
5
BikeSomewhat Bikeable

Schools

9/10
6/10
Braddock Middle SchoolGrades 6-81.8 mi
6/10
Allegany High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Excellent
  • New construction: Yes

Materials

  • Foundation: Concrete Perimeter,Passive Radon Mitigation
  • Roof: Architectural Shingle
  • Construction materials: Blown-In Insulation,Concrete,CPVC/PVC,Vinyl Siding

Other

  • Builder model: Topaz
  • Builder name: Gemcraft Homes

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven/Range - Electric,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom2

  • Level: Upper
  • Area: 120
  • Dimensions: 10 X 12

Bedroom3

  • Level: Upper
  • Area: 132
  • Dimensions: 11 X 12

Bedroom4

  • Level: Upper
  • Area: 121
  • Dimensions: 11 X 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Breakfast Room

  • Level: Main
  • Area: 121
  • Dimensions: 11 X 11

Features

  • Bathroom - Tub Shower,Breakfast Area,Family Room Off Kitchen,Open Floorplan,Pantry,Walk-In Closet(s)
  • Flooring: Carpet
  • Finished area above ground: 1,911

Great Room

  • Level: Main
  • Area: 256
  • Dimensions: 16 X 16

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,911
  • Total interior livable area: 1,911 sqft

Kitchen

  • Level: Main
  • Area: 132
  • Dimensions: 11 X 12

Office

  • Level: Main
  • Area: 99
  • Dimensions: 11 X 9

Primary Bedroom

  • Features: Attached Bathroom,Walk-In Closet(s)
  • Level: Upper
  • Area: 208
  • Dimensions: 16 X 13

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: NO TAX RECORD
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.48 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $2,032$24,384
Home Insurance *$258$3,096
Property Taxes $314$3,768
Electricity $281$3,374
Total$2,885$34,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,914/yr
40% on housing$86,550/yr
45% on housing$76,933/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 21502$77
Allegany County$79

vs Homes Sold Last Month

Median $/sqft

ZIP 21502$109
Allegany County$110

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
2026-01-29Price change$401,990
2025-12-20Listed for sale$381,990

New Construction

AgentMary Ann Hammel
BrokerageMary Ann Hammel

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