For Sale28d on marketHistoric · 147 yrs
108 Water St
Frederick, MD, 21701 • 21701 • Frederick County
$260,000
$352/sqft
-$15,000 since Apr 1, 2026
Down payment assistance available
1Beds
1Baths
739Sqft
0.04 acLot
1879Built
Property DNA
Straight Thru Style
Built 1879 · 147 years of history
Downtown Frederick
21701
Special Features
Above Grade · Below Grade
Hardwood Floors
Quality flooring throughout
This home is getting attention
Listed 28 days ago · 3,812 views · 118 saves
Market activity
Demand and pricing signals for this listing
3,812 views
People checking out this listing
118 saves
Buyers have saved this home
28 days on market
Recently listed
$352/sqft
Price per square foot
Selling Soon Prediction
ModerateThis home ranks in the top 40% of listings most likely to go under contract soon, based on market activity and demand signals.
Likelihood score
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About this home
Single Family · Built 1879 · Historic
NOTE: EXTERIOR PAINTING TO BEGIN 3/30. PRICE REDUCED! Only property within 1/2 mile of the square corner downtown listed for less than $300k. Cute and cozy, this house is located 1/2 block from the MARC Rail/Bus station and 1/2 block from Carroll Creek. Set behind the train station, this house is on a short street that ends in a T-cul-de-sac. Almost no traffic. This one is truly location, location, location, and also has some nice upgrades. The first floor, original hardwood floors have just been refinished and a closet in the upstairs sitting room was redesigned to fit a washer/dryer combo. New appliances in the kitchen, new lighting fixtures in the downstairs. The exterior is scheduled to be painted early in April, and other repairs/upgrades are ongoing (lower cabinet corner doors, exterior door into crawl space to be painted, cracked window fixed after exterior painting), so this is a move-in ready sanctuary with easy access to major highways and easy walkability to all downtown Frederick has to offer!
Estimated monthly payment
Based on current rates
$1,605/month
Principal & Interest$1,258
Property Tax$260
Insurance$87
Down payment20% ($52,000)
3%50%
Est. 6.08% rate · 30yr fixed · $208,000 loan
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At a glance
Key facts and listing details
TypeSingle Family Residence
Year Built1879
HeatingForced Air, Natural Gas
CoolingCentral Air, Electric
ParkingOpen Parking
Lot1,527 sqft
Days on Zillow28 Days
Price/sqft$352
Property
Home typeSingle Family
Sub-typeSingle Family Residence
StyleStraight Thru
ConditionGood
Year built1879
Stories2
Systems
HeatingForced Air, Natural Gas
CoolingCentral Air, Electric
RoofAsphalt
ConstructionWood Siding
Water / SewerPublic / Public Sewer
Parking & Outdoor
ParkingOn Street
BasementDirt Floor,Exterior Entry
Lot1,527 sqft
Location & Tax
Neighborhood21701
ZoningDR
Annual tax$3,565
Parcel02083892
Bathrooms & Fees
Full baths1
Features & details
12 categories of property features
Interior Features
Interior
Plaster Walls
Appliances
Gas Water Heater
Flooring
Hardwood
Heating
Forced Air
Natural Gas
Cooling
Central Air
Electric
Laundry
Upper Level
Accessibility
None
Exterior Features
Parking
On Street
Construction
Wood Siding
Pool Features
None
Other Equipment
Negotiable
Other Structures
Above Grade
Below Grade
Room details
4 rooms detailed
Dining Room
MainKitchen
MainLiving Room
MainSitting Room
UpperListing insights
Market data and value estimates
StatusFor Sale
Days on market28
Est. value$256,300
Est. rent$1,979/mo
Tax rate0.94%
Price/sqft$352
On marketMar 11, 2026
PostedMar 11, 2026
Last sold$230,000
MLS updatedApr 1, 2026
Tour days9
Views3,812
Favorites118
How are the schools in Frederick?
3 schools rated nearby
Location
Frederick, MD, 21701
Price history
9 events
DateEventPrice$/sqftSource
Apr 1, 2026Price Change$260,000$352Bright MLS
Mar 12, 2026Listed For Sale$275,000$372Bright MLS
Dec 13, 2023Sold$230,000$311Bright MLS
Nov 21, 2023Pending Sale$216,000$292Bright MLS
Nov 14, 2023Listed For Sale$216,000$292Bright MLS
May 12, 2011Sold$96,000$130Public Record
Oct 8, 2010Price Change$115,000$156Real Estate Teams, LLC
Aug 1, 2010Listed For Sale$125,000$169Real Estate Teams, LLC
Oct 8, 1999Sold$25,500$35Public Record
Price Change$260,000
Apr 1, 2026•$352/sqft•Bright MLS
Listed For Sale$275,000
Mar 12, 2026•$372/sqft•Bright MLS
Sold$230,000
Dec 13, 2023•$311/sqft•Bright MLS
Pending Sale$216,000
Nov 21, 2023•$292/sqft•Bright MLS
Listed For Sale$216,000
Nov 14, 2023•$292/sqft•Bright MLS
Sold$96,000
May 12, 2011•$130/sqft•Public Record
Price Change$115,000
Oct 8, 2010•$156/sqft•Real Estate Teams, LLC
Listed For Sale$125,000
Aug 1, 2010•$169/sqft•Real Estate Teams, LLC
Sold$25,500
Oct 8, 1999•$35/sqft•Public Record
Tax history
25 years of records
YearTax paidAssessed value
Apr 9, 2025$3,653$195,300
Apr 9, 2024$72,366$172,300
Apr 9, 2023$2,684$149,300
Apr 9, 2022$2,262$126,300
Apr 9, 2021$2,082$116,100
Apr 9, 2020$1,891—
Apr 9, 2019$1,708$95,700
Apr 9, 2018$1,707$95,700
Apr 9, 2017$1,122$95,700
Apr 9, 2016$1,825$96,900
Apr 9, 2015$1,825$96,600
Apr 9, 2014$1,825$96,300
Apr 9, 2013—$96,000
Apr 9, 2012—$96,000
Apr 9, 2011—$96,000
Apr 9, 2010—$176,930
Apr 9, 2009—$152,110
Apr 9, 2008—$127,290
Apr 9, 2007—$102,470
Apr 9, 2006—$83,860
Apr 9, 2005—$65,250
Apr 9, 2004—$46,640
Apr 9, 2003—$46,380
Apr 9, 2002—$46,120
Apr 9, 2001—$45,860
Nearby homes
Neighborhood details
Local context around this listing
Frederick, MD • Frederick County
Nearby cities
FrederickIjamsvilleJeffersonMiddletownMount AiryNew MarketSmithsburgTaneytown
Nearby zip codes
2170121702217032170421705217092171421717
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