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112 E Pennington St, Oakland, MD, 21550

5beds
3baths
2,165sqft
$350,000
$162price/sqft
$2,588/moest. monthly cost
$103,520/yrincome needed

About This Home

Completely rebuilt and beautifully renovated 5 bedroom 3 bathroom home! Welcome to this stunning 5-bedroom, 3-bathroom home that has been completely transformed from top to bottom with exceptional craftsmanship and modern finishes. Offering the charm of a classic home with the peace of mind of virtually all-new construction, this property is truly move-in ready. Major updates include a new high-efficiency central HVAC system, all-new plumbing, new electrical wiring, and a new gas line. The home also features new exterior and interior wood framing, professionally waterproofed basement, and complete whole-house insulation, providing comfort and energy efficiency year-round. The exterior has been beautifully updated with new wood siding and hardie siding, new energy-efficient windows, new exterior doors, new trim, and a new rear porch, creating outstanding curb appeal and outdoor living space. Inside, you'll find a bright, open layout with new drywall, beautiful hardwood flooring, stylish lighting throughout, and a fully renovated interior. The gorgeous kitchen boasts brand-new appliances, modern cabinetry, and updated finishes, while all three bathrooms have been completely remodeled with contemporary fixtures and finishes. This is a rare opportunity to own a home where nearly every major component has been replaced, offering years of worry-free living. Combining timeless style, modern amenities, and quality construction, this exceptional home is ready for its next owner.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

4/10
5/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1916

Materials

  • Foundation: Stone,Block
  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse/National Folk,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Exhaust Fan,Oven,Refrigerator,Stainless Steel Appliance(s),Cooktop,Washer,Gas Water Heater
  • Laundry features: Main Level,Dryer In Unit,Washer In Unit

Basement

  • Area: 660

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Full,Interior Entry,Exterior Entry,Improved,Sump Pump,Water Proofing System

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Bathroom - Walk-In Shower,Ceiling Fan(s),Combination Kitchen/Dining,Entry Level Bedroom,Kitchen Island,Pantry,Recessed Lighting,Upgraded Countertops,Dry Wall,High Ceilings
  • Door features: Storm Door(s)
  • Window features: Screens,Storm Window(s)
  • Flooring: Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 2,165

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Heat Pump,Natural Gas

Interior Area

  • Total structure area: 2,825
  • Total interior livable area: 2,165 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 1217009885
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Pool features: None
  • Patio & porch: Enclosed

Lot

  • Lot size: 5,227 sqft

Parking

  • Total spaces: 2
  • Parking features: Other,Detached,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Drought
Hail
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 $1,769$21,228
Home Insurance *$70$840
Property Taxes $468$5,616
Electricity $281$3,374
Total$2,588$31,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,731/yr
40% on housing$77,640/yr
45% on housing$69,013/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 21550$207
Garrett County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 21550
Garrett County$257

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
2026-07-20Listed for sale$350,000
2025-05-12Sold$73,900
2025-04-11Contingent$73,900
2025-04-10Listed for sale$73,900

For Sale by Agent

AgentSheila Howell
BrokerageLake Homes Realty, LLC

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