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2509 Shelley Cir #5, Frederick, MD, 21702

2beds
2baths
1,324sqft
$274,900
$208price/sqft
$2,152/moest. monthly cost
$86,080/yrincome needed

About This Home

PRICE ADJUSTED! Open House Saturday April 9 from 1-3 PM. Welcome to this beautifully remodeled and well maintained first-level condo with private access, a spacious layout, two-bedrooms and two full bathrooms tucked away in the sought after Whittier community. Enjoy the convenience of one-level living and an abundance of amenities as you settle in to this spacious home featuring a private rear entrance, assigned parking, lots of natural light, patio, hardwood flooring, fresh paint, and a unique floor plan to suite your lifestyle. Remodeled in 2019, the thoughtful layout includes a bright and inviting primary suite with a walk-in closet and private bath, a versatile den/office or breakfast nook off the kitchen with built-in cabinetry, a separate dining area, a generously sized second bedroom, and a second full bath. A dedicated laundry closet and additional storage add to the home’s functionality. Enjoy all that Whittier has to offer, including multiple pools, playgrounds, walking and biking trails, a pavilion, fishing pond, and basketball and tennis courts, plus nearby shopping centers for everyday convenience. Located just minutes from Historic Downtown Frederick, where over 200 specialty shops, art galleries, and restaurants create a vibrant and walkable destination. Easy access to Routes 15, 70, 340 and 270 makes commuting a breeze.

Getting Around

9
WalkingCar-Dependent
15
TransitMinimal Transit
25
BikeSomewhat Bikeable

Schools

8/10
6/10
4/10
Frederick High SchoolGrades 9-122.5 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 2005

Materials

  • Roof: Architectural Shingle
  • Construction materials: Brick

Notable Dates

  • Major remodel year: 2019

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Dryer,Refrigerator,Cooktop,Washer,Electric Water Heater
  • Laundry features: Has Laundry,Dryer In Unit,Washer In Unit,In Unit

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Ceiling Fan(s),Dining Area,Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Walk-In Closet(s),Dry Wall
  • Flooring: Wood,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 1,324
  • Common walls with other units/homes: No One Below,1 Common Wall

Heating & Cooling

  • Heating features: Heat Pump,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,324
  • Total interior livable area: 1,324 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1102256150
  • Attached to another structure: Yes
  • Zoning: PND
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Exterior features: Sidewalks,Stone Retaining Walls

Parking

  • Total spaces: 1
  • Parking features: Assigned,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

  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Heat Wave
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 $1,390$16,680
Home Insurance *$58$696
Property Taxes $423$5,076
Electricity $281$3,374
Total$2,152$25,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,782/yr
40% on housing$64,560/yr
45% on housing$57,386/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 21702$205
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
2026-05-08Price change$282,500
2026-04-21Listed for sale$289,900
2022-03-15Sold$261,000
2022-02-09Pending sale$249,999
2022-02-03Listed for sale$249,999
2011-09-09Sold$135,000
2011-06-11Listing removed$147,987
2010-12-17Listed for sale$147,987
2007-03-14Sold$242,500
2005-02-11Sold$205,350

For Sale by Agent

AgentKenny Downs
BrokerageMackintosh, Inc.

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