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831 Deer Ridge Dr, Westminster, MD, 21158

4beds
5baths
3,706sqft
$759,000
$205price/sqft
$5,071/moest. monthly cost
$202,840/yrincome needed

About This Home

Location and Privacy! This newly built home sits on 1.47 acres just outside of Westminster city limits! It is one of three new homes on a quiet street with no thru traffic and no HOA. The inviting open floor plan on the main level connects the kitchen, dining, and living areas, which accommodates both entertaining and everyday living. The main level boasts a half bath, large coat closet, lots of windows, a view of the woods, laundry room, and walk-in pantry. The upstairs level has four generously sized bedrooms (one with an on-suite bathroom) and a master suite with a large walk-in closet, a spa-like bathroom complete with a soaking tub and a walk-in shower, double vanity, and a view of the woods. The finished walkout basement, with its side entrance and a daylight window, offers endless possibilities with a large recreation room, home office/additional living space, and a full bathroom. Outside, the property features a newly paved driveway, attached garage with front entry, and ample driveway space for guest parking. The peaceful lot, situated on a no-thru street, enhances privacy and tranquility, making it an ideal setting for outdoor gatherings or quality family time. Experience the perfect blend of comfort, elegance, privacy, and nature in this stunning property, where the higher-end finishes were thoughtfully selected for the discerning homeowner. *Property will be subject to a common driveway agreement. Buyer to pay all transfer and recordation taxes.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
0
BikeNot Bike Friendly

Schools

4/10
5/10
8/10
Winters Mill High SchoolGrades 9-123.9 mi

Construction

Condition

  • Property condition: Excellent
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Block,Stone
  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding,Frame,Block

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Refrigerator,Oven/Range - Electric,Stainless Steel Appliance(s),Water Heater,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access,Side Entrance,Improved,Partial

Bathroom1

  • Level: Upper

Bathroom1

  • Level: Lower

Bathroom2

  • Level: Upper

Bathroom3

  • Level: Upper

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Features

  • Attic,Soaking Tub,Bathroom - Walk-In Shower,Butlers Pantry,Combination Kitchen/Living,Combination Kitchen/Dining,Crown Molding,Family Room Off Kitchen,Open Floorplan,Kitchen Island,Pantry,Walk-In Closet(s),Bathroom - Stall Shower,Bathroom - Tub Shower,Dry Wall
  • Window features: Double Hung
  • Flooring: Engineered Wood,Tile/Brick,Carpet
  • Finished area below ground: 1,050
  • Finished area above ground: 2,656

Half Bath

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 3,706
  • Total interior livable area: 3,706 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Lower

Recreation Room

  • Level: Lower

Utility Room

  • Level: Main

Utility Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0707434122
  • Zoning: AGRIC
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.47 Acres
  • Features: No Thru Street

Parking

  • Total spaces: 6
  • Parking features: Garage Faces Front,Inside Entrance,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Lightning

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 $3,837$46,044
Home Insurance *$212$2,544
Property Taxes $550$6,600
Electricity $472$5,666
Total$5,071$60,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$173,862/yr
40% on housing$152,130/yr
45% on housing$135,226/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 21158$205
Carroll County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 21158$203
Carroll County$237

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
2026-04-06Listed for sale$769,000

New Construction

AgentZachary Champion
BrokerageNorth Sea Realty, LLC

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