9693 Royal Crest Cir, Frederick, MD, 21704
About This Home
New listing in Urbana Highlands! This spacious four-bedroom, three-and-a-half-bath home combines a bright, open interior with major system updates and a versatile finished lower level. The main level offers comfortable living and entertaining spaces, while the finished basement includes a recreation room, built-in bar, bonus room and full bathroom—ideal for guests, a home office or extended living space. Major improvements include the Roof and HVAC system in 2020, microwave and dishwasher in 2023, gas range and garage door in 2024, and upstairs carpeting in 2025. Outside, enjoy a rear deck, mature trees and a setting adjoining a tree-conservation area. Additional features include a two-car garage with storage racks and access to Urbana Highlands pools, walking trails, tennis courts, playgrounds and other community amenities.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2002
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Frame,Brick
Other
- Builder model: THE WAVERLY
- Builder name: AVANTAGE HOMES
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Ice Maker,Refrigerator,Microwave,Disposal,Dryer,Exhaust Fan,Extra Refrigerator/Freezer,Range Hood,Stainless Steel Appliance(s),Washer,Water Heater,Gas Water Heater
- Laundry features: Upper Level,Laundry Room
Basement
- Has basement: Yes
- Basement: Finished
Bedroom2
- Features: Flooring - Carpet
- Level: Lower
- Area: 168
- Dimensions: 12 X 14
Bedroom3
- Features: Flooring - Carpet
- Level: Lower
- Area: 121
- Dimensions: 11 X 11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Breakfast Area,Kitchen Island,Kitchen - Table Space,Dining Area,Built-in Features,Primary Bath(s),Bar,Upgraded Countertops,Ceiling Fan(s),Family Room Off Kitchen,Combination Kitchen/Dining,Open Floorplan,Pantry
- Door features: Insulated,Sliding Glass
- Window features: Double Pane Windows
- Flooring: Carpet
- Number of fireplaces: 1
- Fireplace features: Equipment,Glass Doors,Mantel(s),Screen,Gas/Propane
- Fireplace: Yes
- Finished area below ground: 500
- Finished area above ground: 2,340
Game Room
- Level: Unspecified
Great Room
- Level: Unspecified
Heating & Cooling
- Heating features: Forced Air,Heat Pump,Natural Gas
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,502
- Total interior livable area: 2,840 sqft
Laundry
- Level: Unspecified
Other
- Level: Unspecified
Primary Bedroom
- Features: Primary Bedroom - Sitting Area
- Level: Unspecified
Utility Room
- Level: Unspecified
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 1107233701
- Zoning: PUD
- Special condition: Standard
Features
- Levels: Three
- Stories: 3
- Pool features: Community
- Patio & porch: Deck
- Has spa: Yes
- Spa features: Bath
- Fencing: Picket
Lot
- Lot size: 6,295 sqft
- Features: Backs to Trees,Landscaped
Parking
- Total spaces: 2
- Parking features: Garage Door Opener,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
- Winter Weather
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 | $3,690 | $44,280 |
| Home Insurance * | $129 | $1,548 |
| Property Taxes | $879 | $10,548 |
| Electricity | $361 | $4,342 |
| Total | $5,059 | $60,708 |
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 |
|---|---|---|
| 2026-08-10 | Price change | $725,000 |
| 2026-07-29 | Listed for sale | $729,900 |
| 2025-08-28 | Listing removed | $782,500 |
| 2025-07-23 | Listed for sale | $782,500 |
| 2004-09-08 | Sold | $460,000 |
| 2003-04-15 | Sold | $346,854 |
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