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610 Harvey Winters Dr, Oakland, MD, 21550

3beds
2baths
1,539sqft
$325,000
$211price/sqft
$2,351/moest. monthly cost
$94,040/yrincome needed

About This Home

3BR, 2BA home near Broadford Lake & Southern Middle school. Setup perfectly for one-level living with room to expand in the full, unfinished basement. Comfy living room, eat-in kitchen, separate laundry room and recent bathroom remodel. Central location to hospital, shopping and town businesses. Spacious, level back yard offers plenty of sunshine. 2 car attached garage with only a few small steps into the main house.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

4/10
5/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 2008

Materials

  • Foundation: Block
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 1539

Basement

  • Has basement: Yes
  • Basement: Full,Heated,Improved,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,539

Heating & Cooling

  • Heating features: Forced Air,Electric,Propane
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 3,078
  • Total interior livable area: 1,539 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1207013566
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.46 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

How This Home’s Risks Compare

Lightning
Winter Weather
Cold Wave
Drought
Hail
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 $1,643$19,716
Home Insurance *$65$780
Property Taxes $362$4,344
Electricity $281$3,374
Total$2,351$28,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,605/yr
40% on housing$70,530/yr
45% on housing$62,693/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

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 21550$208
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
2026-08-12Contingent$325,000
2026-07-15Price change$325,000
2026-03-21Listed for sale$5,000
2025-08-25Listing removed--
2025-04-22Listed for sale$330,000
2024-09-08Listing removed--
2024-06-10Listed for sale$320,000
2024-05-07Pending sale$320,000
2024-02-21Listed for sale$320,000
2024-01-04Listing removed--
2023-10-06Price change$340,000
2023-09-10Price change$350,000
2023-09-08Listed for sale$310,000
2020-05-14Sold$176,000
2020-03-28Pending sale$198,000
2019-11-27Listed for sale$198,000
2019-08-05Listing removed$224,500
2018-06-29Price change$224,500
2018-04-17Listed for sale$230,000
2018-01-15Listing removed$230,000
2018-01-02Listed for sale$230,000
2017-01-23Sold$5,625
2006-07-18Sold$39,500

For Sale by Agent

AgentJay Ferguson
BrokerageTaylor-Made Deep Creek Real Estate, LLC

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