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4304 Sharmans Run, Sharpsburg, MD, 21782

3beds
2baths
2,428sqft
$475,000
$196price/sqft
$3,088/moest. monthly cost
$123,520/yrincome needed

About This Home

Welcome to this pretty 3 bedroom, 2 full-bath ranch home sitting on 3.46 private creekfront acres. Call it home or call it your getaway. Situated towards the end of a quiet roadway in the sought-after country community of Horseshoe Bend! Country-living at its very best. When you pull in the circular drive, you will notice a spacious front deck welcoming you. It opens to a central living room, with two bedrooms and one full bath to the left. To the right you will see the kitchen, another full bath, and access to lower level through a pretty French door. Located on the light-filled lower level is a walk-out to the back acreage, an additional bedroom, a huge family room, laundry facilities, and a bonus room now used for storage. Creek views are visible from the home when the leaves are down. Outside is a spacious yard for play and entertaining. To the left of the home is an oversized workshop sitting close to the garden. A path to the right of the home leads you to a small hike down to the creek and spacious creekside resting area--perfect to sprawl out with a picnic or beverages. Or, keep your floats and fishing rods close for adventures! In addition to your own private 3.5+/- acres, just one parcel beyond is 42 community acres along Sharmans Run (an offshoot from the creek) to hike and explore. Or enjoy the 32 +/- community acres just down the way for fishing, floating, walking, or just enjoying. The HOA tends to the roadways and upkeep of community land. Bring your pets, chickens, horse, and other critters. Spend a little time enjoying seclusion. Own your own hide-away for part-time or full-time living at its best.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

5/10
8/10
Boonsboro Middle SchoolGrades 6-87.3 mi
8/10
Boonsboro High SchoolGrades 9-127.3 mi

Construction

Condition

  • Year built: 1967

Materials

  • Foundation: Block
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bedroom1

  • Level: Main

Bedroom1

  • Level: Lower

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Bonus Room

  • Level: Lower

Family Room

  • Level: Lower

Features

  • Finished area below ground: 1,200
  • Finished area above ground: 1,228

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 3,256
  • Total interior livable area: 2,428 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2201005677
  • Zoning: P
  • Special condition: Standard

Features

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

Lot

  • Lot size: 3.46 Acres
  • Features: Wooded,Private,Secluded,No Thru Street,Stream/Creek

Parking

  • Total spaces: 5
  • Parking features: Circular Driveway,Private,Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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

  • Drought
    DroughtModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Winter Weather

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 $2,401$28,812
Home Insurance *$222$2,664
Property Taxes $156$1,872
Electricity $309$3,712
Total$3,088$37,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,874/yr
40% on housing$92,640/yr
45% on housing$82,346/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 21782$142
Washington County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 21782$202
Washington County$193

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
2026-04-13Listed for sale$485,000
2021-03-24Listing removed--
2020-11-12Listing removed$320,000
2020-08-14Price change$320,000
2020-01-24Listed for sale$295,000

For Sale by Agent

AgentRoben Ryberg
BrokerageSamson Properties

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