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523 Ellison Ct, Frederick, MD, 21703

2beds
4baths
1,996sqft
$405,999
$203price/sqft
$3,042/moest. monthly cost
$121,680/yrincome needed

About This Home

**Prepare to be impressed!** This exceptional home has been recently upgraded and beautifully decorated, offering a perfect blend of luxury, style, and comfort. From the moment you enter, you'll be welcomed by stunning luxury vinyl plank flooring throughout the main level, a convenient powder room, and a living room enhanced with elegant crown molding. The gourmet kitchen is truly the heart of the home, featuring gleaming granite countertops, stainless steel appliances, a designer tile backsplash, 42" white cabinetry, custom built-ins, a charming coffee bar, a generous pantry, and an abundance of natural light from the wall of windows overlooking the peaceful green space beyond. Upstairs, the luxurious primary suite offers high ceilings, space for sitting area, walk-in closets, and a spa-inspired ensuite bath complete with upgraded tile, double vanity, and premium finishes. A second spacious bedroom functions as its own private suite with a walk-in closet and dedicated full bath, making it ideal for guests or multigenerational living. The finished lower level provides exceptional flexibility with a large recreation room featuring custom built-ins, a full bathroom, and an additional room with two closets and egress—perfect as a home office, guest room, or potential third bedroom. Step outside through the walkout slider to a spacious concrete patio backing to mature trees, creating a private setting for relaxing or entertaining. Additional highlights include its location in the popular Overlook community, and a remarkably low HOA. Enjoy easy access to shopping, grocery stores, coffee shops, restaurants, movie theaters, urgent care, gas stations, Baker Park and major commuter routes (US-15, I-40, I-70 and I-270). This move-in-ready home combines sophisticated upgrades, thoughtful design, and an outstanding location—truly a must-see! Priced at the appraised value.

Getting Around

35
WalkingCar-Dependent
25
TransitSome Transit
28
BikeSomewhat Bikeable

Schools

6/10
5/10
Crestwood Middle SchoolGrades 6-81.2 mi
4/10
Frederick High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 2002

Materials

  • Foundation: Concrete Perimeter,Slab
  • Construction materials: Brick Front,Vinyl Siding

Notable Dates

  • Major remodel year: 2024

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Exhaust Fan,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Gas Water Heater
  • Laundry features: In Basement,Dryer In Unit,Washer In Unit

Basement

  • Area: 776

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Full,Finished,Improved,Rear Entrance

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Combination Dining/Living,Crown Molding,Dining Area,Open Floorplan,Eat-in Kitchen,Pantry,Primary Bath(s),Recessed Lighting,Upgraded Countertops,Walk-In Closet(s)
  • Door features: Sliding Glass
  • Window features: Double Pane Windows
  • Flooring: Carpet,Luxury Vinyl,Hardwood,Wood
  • Finished area below ground: 500
  • Finished area above ground: 1,496

Heating & Cooling

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

Interior Area

  • Total structure area: 2,272
  • Total interior livable area: 1,996 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1102238330
  • Zoning: PND
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Patio
  • Exterior features: Sidewalks

Lot

  • Lot size: 1,660 sqft

Parking

  • Total spaces: 2
  • Parking features: Assigned,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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Heat Wave
Tornado

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 $2,052$24,624
Home Insurance *$85$1,020
Property Taxes $624$7,488
Electricity $281$3,374
Total$3,042$36,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,297/yr
40% on housing$91,260/yr
45% on housing$81,120/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 21703$175
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21703$226
Frederick County$230

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
2026-07-10Price change$405,999
2026-07-07Price change$410,000
2026-06-26Listed for sale$415,000
2024-12-13Sold$400,000
2024-11-19Contingent$399,900
2024-11-09Price change$399,900
2024-11-01Price change$410,000
2024-10-11Listed for sale$424,900
2022-06-10Sold$370,000
2022-05-08Pending sale$375,000
2022-05-03Listed for sale$375,000
2022-05-02Pending sale$375,000
2022-05-02Listed for sale$375,000
2022-04-30Pending sale$375,000
2022-04-29Price change$375,000
2022-03-28Pending sale$349,990
2002-06-11Sold$183,613

For Sale by Agent

AgentCynthia Perkins
BrokerageSawyer Real Estate, LLC

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