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100 Sunlight Dr, Frederick, MD, 21702

4beds
4baths
3,000sqft
$675,000
$225price/sqft
$4,977/moest. monthly cost
$199,080/yrincome needed

About This Home

In the prestigious Clover Ridge community, this beautiful Colonial-style residence embodies the perfect blend of elegance and comfort. Built in 2005, this home features a classic brick front that exudes timeless charm, inviting you into a world of luxury and sophistication. Step inside to discover a thoughtfully designed layout that seamlessly combines spaciousness with warmth. With four generously sized bedrooms and three full bathrooms, plus an additional half bath, this home is perfect for both entertaining and everyday living. The heart of the home is a beautifully appointed living area, where anelegant fireplace create a cozy ambiance, perfect for intimate gatherings or quiet evenings at home. The fully finished basement offers a second fireplace, kitchenette area, and versatile space that can be tailored to your lifestyle-whether it's a home theater, a personal gym, or a playroom, the possibilities are endless. With both interior access and an outside entrance, this area provides convenience and flexibility for all your needs. The gourmet kitchen is a chef's dream, equipped with stainless appliances and ample counter space, making meal preparation a delight. Outside, the allure continues with a community pool that invites you to relax and unwind during warm summer days. Parking is a breeze with an attached two-car garage and additional driveway space, ensuring that you and your guests always have a place to park. The front entry garage provides easy access to the home, enhancing the overall convenience of this property. Clover Ridge is not just a neighborhood; it's a lifestyle. Enjoy the tranquility of suburban living while being just moments away from vibrant shopping, dining, and recreational options. This home is more than just a residence; it's a sanctuary where cherished memories are made. Experience the perfect blend of luxury, comfort, and community in this exceptional property. We might be able to make this into your new, dream home!

Getting Around

14
WalkingCar-Dependent
14
TransitMinimal Transit
29
BikeSomewhat Bikeable

Schools

5/10
Monocacy Middle SchoolGrades 6-80.7 mi
5/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 2004

Materials

  • Foundation: Permanent,Slab
  • Roof: Asphalt
  • Construction materials: Brick Front

Other

  • Builder model: CATOCTIN
  • Builder name: AUSHERMAN/DREES

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Heated,Improved,Interior Entry,Exterior Entry,Partially Finished,Concrete,Rear Entrance,Shelving,Walk-Out Access,Windows,Other

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Breakfast Area,Kitchen Island,Open Floorplan,Floor Plan - Traditional
  • Flooring: Carpet,Hardwood,Wood
  • Number of fireplaces: 2
  • Fireplace features: Gas/Propane,Mantel(s)
  • Fireplace: Yes
  • Finished area above ground: 3,000

Heating & Cooling

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

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 00000
  • Zoning: R4
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Has view: Yes
  • View description: Garden,Other

Lot

  • Lot size: 8,276 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Inside Entrance,Attached,Driveway,Off 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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Hail
Inland Flooding
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 $3,413$40,956
Home Insurance *$144$1,728
Property Taxes $1,038$12,456
Electricity $382$4,586
Total$4,977$59,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,640/yr
40% on housing$149,310/yr
45% on housing$132,720/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

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 21702$203
Frederick County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 21702$230
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
2026-04-10Listed for sale$725,000
2026-04-09Listing removed$725,000
2026-02-21Listed for sale$725,000
2005-05-11Sold$621,190

For Sale by Agent

AgentJoan Lord
BrokerageSamson Properties

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