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13301 Winchester Rd SW Lot K, Cumberland, MD, 21502

2beds
2baths
800sqft
$100,000
$125price/sqft
$928/moest. monthly cost
$37,120/yrincome needed

About This Home

Open house 7/25 11-2. PRICE REDUCED MOTIVATED SELLERS. Welcome home to this charming 2-bedroom, 2-bath manufactured home in the heart of LaVale!It is sitting on a triple lot, offering comfortable one-level living, this well-maintained property features a wheelchair-accessible ramp for added convenience, a spacious carport to keep your vehicle protected year-round, and a storage shed perfect for tools, hobbies, or extra belongings. Whether you're looking for your first home, downsizing, or seeking an affordable, low-maintenance lifestyle, this property offers comfort, functionality, and value. The roof is 6 years old, new roof on the shed in 2025, and a new wheelchair ramp added in 2025. Conveniently located near shopping, dining, and everyday amenities, this is an opportunity you won't want to miss. Schedule your showing today! Lot rent is $295 which includes water, sewage, garbage, road maintenance, and 15% going to taxes.

Getting Around

7
WalkingCar-Dependent
19
TransitMinimal Transit
4
BikeSomewhat Bikeable

Schools

9/10
6/10
Braddock Middle SchoolGrades 6-85.2 mi
6/10
Allegany High SchoolGrades 9-123.7 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1999

Materials

  • Roof: Shingle

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Washer,Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Finished area above ground: 800

Heating & Cooling

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

Interior Area

  • Total structure area: 800
  • Total interior livable area: 800 sqft

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

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

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Parking

  • Total spaces: 2
  • Parking features: Detached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Hail
Inland Flooding
Landslide
Lightning
Strong Wind

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 $505$6,060
Home Insurance *$64$768
Property Taxes $78$936
Electricity $281$3,374
Total$928$11,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,817/yr
40% on housing$27,840/yr
45% on housing$24,746/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

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 21502$79
Allegany County$80

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)

No zestimate history available

Price History

DateEventPrice
2026-07-28Price change$100,000
2026-07-16Price change$110,000
2026-06-30Listed for sale$115,000

For Sale by Agent

AgentZoe Hast
BrokerageThe KW Collective

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