




523 Ellison Ct, Frederick, MD, 21703
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
Schools
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
- Strong Wind
- Winter Weather
- Heat Wave
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,052 | $24,624 |
| Home Insurance * | $85 | $1,020 |
| Property Taxes | $624 | $7,488 |
| Electricity | $281 | $3,374 |
| Total | $3,042 | $36,504 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-10 | Price change | $405,999 |
| 2026-07-07 | Price change | $410,000 |
| 2026-06-26 | Listed for sale | $415,000 |
| 2024-12-13 | Sold | $400,000 |
| 2024-11-19 | Contingent | $399,900 |
| 2024-11-09 | Price change | $399,900 |
| 2024-11-01 | Price change | $410,000 |
| 2024-10-11 | Listed for sale | $424,900 |
| 2022-06-10 | Sold | $370,000 |
| 2022-05-08 | Pending sale | $375,000 |
| 2022-05-03 | Listed for sale | $375,000 |
| 2022-05-02 | Pending sale | $375,000 |
| 2022-05-02 | Listed for sale | $375,000 |
| 2022-04-30 | Pending sale | $375,000 |
| 2022-04-29 | Price change | $375,000 |
| 2022-03-28 | Pending sale | $349,990 |
| 2002-06-11 | Sold | $183,613 |
