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593 Cawley Dr #3-3B, Frederick, MD, 21703

2beds
2baths
1,355sqft
$289,900
$214price/sqft
$2,252/moest. monthly cost
$90,080/yrincome needed

About This Home

Enjoy penthouse living in this beautifully maintained top-floor condo located in a secure elevator building. Filled with natural light, this spacious residence features soaring vaulted ceilings, abundant windows, and stylish LVP flooring throughout. The updated kitchen offers ample cabinetry and prep space, along with a versatile bonus area perfect for a breakfast nook, sitting room, or home office. Designed with comfort and privacy in mind, the split-bedroom floor plan places each bedroom on opposite sides of the unit. The generous primary suite includes a walk-in closet and private ensuite bath, while the second bedroom also features access to its own full bath, making it ideal for guests or roommates. A separate laundry area and oversized storage closet add everyday convenience. Step outside onto your private deck, the perfect spot to enjoy morning coffee or unwind at the end of the day. Ideally situated near major commuter routes, shopping, restaurants, and everyday conveniences, this move-in ready home is also just minutes from the vibrant downtown historic district. Immaculate and thoughtfully updated, this is low-maintenance living at its best.

Getting Around

57
WalkingSomewhat Walkable
23
TransitMinimal Transit
42
BikeSomewhat Bikeable

Schools

6/10
8/10
5/10
Tuscarora High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 2004

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Combination,Vinyl Siding

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven/Range - Electric,Refrigerator,Washer,Water Heater,Electric Water Heater
  • Laundry features: Has Laundry,In Unit

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Dining Area,Elevator,Family Room Off Kitchen,Open Floorplan,Floor Plan - Traditional,Primary Bath(s),Walk-In Closet(s),Cathedral Ceiling(s),Dry Wall
  • Door features: Six Panel
  • Window features: Double Pane Windows
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,355

Heating & Cooling

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

Interior Area

  • Total structure area: 1,355
  • Total interior livable area: 1,355 sqft

Property

Accessibility

  • Accessibility features: Accessible Hallway(s),Accessible Elevator Installed

Details

  • Parcel number: 1102249936
  • Attached to another structure: Yes
  • Zoning: PND
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Garden

Lot

  • Features: Backs - Open Common Area,Backs to Trees,Suburban

Parking

  • Parking features: Paved,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

  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Hail
Heat Wave
Lightning
Strong Wind
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 $1,465$17,580
Home Insurance *$60$720
Property Taxes $446$5,352
Electricity $281$3,374
Total$2,252$27,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,211/yr
40% on housing$67,560/yr
45% on housing$60,053/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

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 21703$176
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
2026-07-07Price change$289,900
2026-05-20Listed for sale$299,900
2023-09-29Sold$305,000
2018-04-19Sold$186,000
2018-03-11Listed for sale$186,000
2004-03-03Sold$187,400

For Sale by Agent

AgentALLIE VASQUEZ
BrokerageCharis Realty Group

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