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!
For sale
Price cut: $15K (4/1)
$260,000
108 Water St, Frederick, MD 21701
1beds
739sqft
Est.:
Single Family Residence
Built in 1879
1,527 Square Feet Lot
$256,300 Zestimate®
$352/sqft
$-- HOA
What's special
Cute and cozy
- 25 days |
- 3,476 |
- 109 |
Zillow last checked: 7 hours ago
Listing updated: April 01, 2026 at 01:14am
Listed by:
Donna Kuzemchak 301-964-9988,
Mackintosh, Inc. (301) 662-0155
Source: Bright MLS,MLS#: MDFR2077364
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Rooms
- Room types: Living Room, Dining Room, Sitting Room, Kitchen
Dining room
- Level: Main
Kitchen
- Level: Main
Living room
- Level: Main
Sitting room
- Level: Upper
Heating
- Forced Air, Natural Gas
Cooling
- Central Air, Electric
Appliances
- Included: Gas Water Heater
- Laundry: Upper Level
Features
- Plaster Walls
- Flooring: Hardwood
- Basement: Dirt Floor,Exterior Entry
- Has fireplace: No
Interior area
- Total structure area: 907
- Total interior livable area: 739 sqft
- Finished area above ground: 739
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Parking features: On Street
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: Two and One Half
- Stories: 2.5
- Pool features: None
Lot
- Size: 1,527 Square Feet
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1102083892
- Zoning: DR
- Special conditions: Standard
- Other equipment: Negotiable
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Straight Thru
- Property subtype: Single Family Residence
- Attached to another structure: Yes
Materials
- Wood Siding
- Foundation: Stone
- Roof: Asphalt
Condition
- Good
- New construction: No
- Year built: 1879
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Subdivision: Downtown Frederick
HOA
- Has HOA: No
Location
- Region: Frederick
- Municipality: Frederick City
Financial & listing details
- Price per square foot: $352/sqft
- Tax assessed value: $215,733
- Annual tax amount: $3,565
- Date on market: 3/11/2026
- Listing agreement: Exclusive Agency
- Listing terms: Conventional,FHA,VA Loan,Cash
- Inclusions: Tv Mount, Appliances, Existing Window Coverings, Existing Screens
- Ownership: Fee Simple
Estimated market value
$256,300
$243,000 - $269,000
$1,979/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 4/1/2026 | Price change | $260,000-5.5%$352/sqft |
Source:  Bright MLS #MDFR2077364 Report a problem | ||
| 3/12/2026 | Listed for sale | $275,000+19.6%$372/sqft |
Source: Bright MLS #MDFR2077364 Report a problem | ||
| 12/13/2023 | Sold | $230,000+6.5%$311/sqft |
Source: Bright MLS #MDFR2041958 Report a problem | ||
| 11/21/2023 | Pending sale | $216,000$292/sqft |
Source: Bright MLS #MDFR2041958 Report a problem | ||
| 11/14/2023 | Listed for sale | $216,000+125%$292/sqft |
Source: Bright MLS #MDFR2041958 Report a problem | ||
| 5/12/2011 | Sold | $96,000-16.5%$130/sqft |
Source: Public Record Report a problem | ||
| 10/8/2010 | Price change | $115,000-8%$156/sqft |
Source: Real Estate Teams, LLC #FR7401153 Report a problem | ||
| 8/1/2010 | Listed for sale | $125,000+390.2%$169/sqft |
Source: Real Estate Teams, LLC #FR7401153 Report a problem | ||
| 10/8/1999 | Sold | $25,500$35/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $3,653 -95% | $195,300 +13.3% |
| 2024 | $72,366 +2596.2% | $172,300 +15.4% |
| 2023 | $2,684 +18.6% | $149,300 +18.2% |
| 2022 | $2,262 +8.7% | $126,300 +8.8% |
| 2021 | $2,082 +10.1% | $116,100 |
| 2020 | $1,891 +10.7% | -- |
| 2019 | $1,708 +0.1% | $95,700 |
| 2018 | $1,707 +52.2% | $95,700 |
| 2017 | $1,122 -38.5% | $95,700 -1.2% |
| 2016 | $1,825 | $96,900 +0.3% |
| 2015 | $1,825 | $96,600 +0.3% |
| 2014 | $1,825 | $96,300 +0.3% |
| 2013 | -- | $96,000 |
| 2012 | -- | $96,000 |
| 2011 | -- | $96,000 -45.7% |
| 2010 | -- | $176,930 +16.3% |
| 2009 | -- | $152,110 +19.5% |
| 2008 | -- | $127,290 +24.2% |
| 2007 | -- | $102,470 +22.2% |
| 2006 | -- | $83,860 +28.5% |
| 2005 | -- | $65,250 +39.9% |
| 2004 | -- | $46,640 +0.6% |
| 2003 | -- | $46,380 +0.6% |
| 2002 | -- | $46,120 +0.6% |
| 2001 | -- | $45,860 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$1,485/mo
Principal & interest
$1281
Property taxes
$204
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Climate risks
Neighborhood: 21701
Nearby schools
GreatSchools rating
- 6/10Spring Ridge Elementary SchoolGrades: PK-5Distance: 2.9 mi
- 6/10Gov. Thomas Johnson Middle SchoolGrades: 6-8Distance: 1.9 mi
- 5/10Gov. Thomas Johnson High SchoolGrades: 9-12Distance: 1.6 mi
Schools provided by the listing agent
- District: Frederick County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 21701
- Maryland
- Frederick County
- Frederick
- 21701
- 108 Water St
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