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512 Elm St , Frederick, MD 21701
$614,900
Est. Payment: $3,272.76/mo
4 Bed
3 Bath
1928 Sqft
0.04 Acres
Status: active | Days on site: 50
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BCH1 - 70103
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House Description

Excellent value, newly priced - Some homes are renovated, others are thoughtfully cared for, carefully improved and beautifully preserved. 512 Elm Street is decidedly the latter. Built in 1915 and impeccably maintained, this distinctive Frederick home pairs the craftsmanship and character of its era with exceptionally well-considered updates—all within walking distance of Baker Park, Hood College & historic Downtown Frederick. The first impression is unforgettable. A deep wraparound front porch finished in true 1-inch mahogany decking, complete with a hanging porch swing, creates an inviting place for morning coffee or watching the neighborhood go by. Its location alongside an alley provides something equally uncommon for an in-town home: additional separation from its neighbor, abundant natural light & a private off-street parking space. Inside, original hardwood floors, beautifully preserved woodwork and a built-in bench speak to the home's 1915 heritage. Energy-efficient tilt-in replacement windows fill the rooms with light, while the original masonry fireplace, converted to a gas fireplace/stove, adds warmth and character to the living room. Thoughtfully reimagined in 2015, the kitchen was opened to the dining room for a more gracious flow while remaining sympathetic to the home's architecture. Quality custom cabinetry offers exceptional storage with pull-out shelving and a dedicated spice rack, complemented by Quartz countertops and a generous peninsula. The adjoining dining room is framed by a beautiful box bay window. Attention to detail continues with a former closet transformed into a butler's pantry offering additional counter space, storage and a discreet home for small appliances. A convenient powder room was added just off the kitchen, and even a toe-kick heater beneath the cabinetry was incorporated to warm your feet on cold mornings. Beyond the kitchen, a fully hardscaped, wonderfully private courtyard extends the living space outdoors—ideal for dining, entertaining or a quiet evening at home. A gate provides direct access to the off-street parking space. The second floor offers three comfortable bedrooms, an updated full bath and access to a charming private porch. Custom blinds dress the bedroom windows, and the care invested in this home extends beyond what is immediately visible, including painstakingly replastered walls in the front bedroom & hallway rather than simply concealing the imperfections of a century-old home. The third floor is an unexpected indulgence. Designed as a private owner's retreat, the entire level offers a spacious bedroom, full bath with double sinks and generous walk-in closet with a custom organization system—a beautifully conceived sanctuary rarely found in a home of this vintage. The lower level adds a family room refinished in 2012 with built-in shelving, along with laundry, utility and storage areas. Improvements behind the scenes are equally thoughtful. A Carrier mini-split system installed in 2020 provides both air conditioning & heat without compromising the home's architecture with extensive ductwork. Blown-in attic insulation enhances efficiency, and the roof features 30-year architectural shingles installed in 2006. Set on a quieter residential street just one block from Hood College, 512 Elm Street offers the opportunity to truly enjoy Frederick on foot. Stroll to Baker Park, continue into the Historic District for dinner, shopping, coffee or an evening downtown, then return to the relative calm of Elm Street and that wonderful wrap around porch. For buyers searching for a historic Frederick home with four bedrooms, 2.5 baths, off-street parking, original hardwood floors, an updated kitchen, private third-floor primary suite, finished lower level & exceptional outdoor living spaces, this is an increasingly rare combination. Here, quality and preservation were chosen allowing a century of character to not simply survive, but to be beautifully celebrated.

Highlights

Listed by jennifer C grove , 3017881887 Bach Real Estate , 3016959600. Bright MLS

Property Type

Residential

Lot/Acreage
0.04

Year Built

1915

County

Frederick

Neighborhood

Hood College

School District

Frederick County Public Schools

Listing ID

MDFR2088982

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Exhaust Fan, Refrigerator, Washer, Disposal, Microwave, Oven/Range - Gas, Range Hood, Stainless Steel Appliances, Stove
Air Cond:Ductless/Mini-Split,Programmable Thermostat
Fireplaces:Equipment,Mantel(s),Brick,1 Fireplace
Floor:Hardwood,Ceramic Tile
Above Ground Sq Ft:1736
Below Ground Sq Ft:192
Basement:Connecting Stairway,Partially Finished,Rear Entrance,Improved,Interior Access,Walkout Stairs,Windows
Other:
  • ▪ Additional:Dining Area, Floor Plan - Traditional, Kitchen - Table Space, Window Treatments, Wood Floors, Bathroom - Stall Shower, Bathroom - Tub Shower, Built-Ins, Ceiling Fan(s), Kitchen - Gourmet, Pantry, Primary Bath(s), Upgraded Countertops, Walk-in Closet(s)
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No,In City Limits
Lot Dimensions:LotLength:80 X LotWidth:23
Garage Capacity:1
Zoning:DBO
Roof:Architectural Shingle
Others:
  • ▪ Additional:Sidewalks, Extensive Hardscape, Stone Retaining Walls, Water Fountains, Excellent
Sewer:Public Sewer
Parking Features:Brick Driveway,Driveway,On Street,1+ Spaces
Principal Interest
$3,273
Taxes
$570

Home Price

$614,900

Loan Details

30 yrs
7%

Down Payment

20%
$122,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,272.76

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,272.76 $570.25 $0.00 $3,843.01
Yearly $39,273.07 $6,843.00 $0.00 $46,116.07
Total $1,178,192.17 $205,290.00 $0.00 $1,383,482.17
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Frederick, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T01:13:51.000Z

© 2026 Bright MLS