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3109 Deerham Drive

FINKSBURG, MD 21048

5 beds
4 baths
3,840 sqft
~2 acre lot
$226 per sqft
2001 build

Welcome to this exquisite, custom stone front home, perfectly positioned on a lushly landscaped, wooded 2-acre lot at the end of a private cul-de-sac in the highly coveted River Downs Community. Offering the pinnacle of elegant living, this estate blends refined architecture, modern comforts, and unmatched privacy—all in one of the area’s most sought-after neighborhoods and within the top-rated Carroll County School system. From the moment you arrive, the stone hardscaping wall and charming front porch set the tone for elegance and comfort. Relax with your morning coffee or evening wine while soaking in scenic, peaceful views. Step inside to a sunlit, open-concept main level with soaring ceilings, a cozy fireplace that adds warmth to the inviting living room, and new hardwood flooring (2024). A flex room on this level (new flooring in 2019) is perfect for a home office or additional bedroom. The chef’s kitchen is a true showpiece—complete with a large island, stainless steel appliances, gas range, and ample counter and cabinet space. The kitchen also features a bright breakfast nook surrounded by windows, offering a cheerful and scenic space to start your day. Adjacent to the kitchen are a formal dining room (new hardwood floors, 2024) and a sunroom wrapped in windows, creating an ideal space for entertaining or quiet relaxation. A full bath on the main level adds everyday functionality. Upstairs, discover four spacious bedrooms, including a grand 800 sq ft primary suite with a private sitting area ideal for reading, yoga, or simply unwinding. The spa-inspired ensuite bath (remodeled in 2020) features dual vanities, a soaking tub, and a stand-up shower. The suite also boasts his-and-her walk-in closets, offering generous storage space. A junior suite with full bath, two additional guest bedrooms, a full guest bath, convenient upstairs laundry, and an extra lounge/sitting area round out this level. Need more space? The unfinished basement is a blank canvas for your dream rec room, home gym, or additional living quarters, and already includes a 3-piece rough-in for a future bathroom. Outside, enjoy the updated 780 sq ft back deck—perfect for grilling, entertaining, or dining al fresco under the stars while enjoying cool summer nights and expansive wooded views. A 3-car side entrance garage provides both functionality and curb appeal. This home has been thoughtfully updated to offer modern comfort and long-term peace of mind. Equipped with a state-of-the-art electric heat pump (2023), a high-efficiency gas furnace (2022), and a new gas water heater (2022)—all with transferable 10-year warranties for added value and assurance. The luxurious primary bathroom was fully remodeled in 2020, creating a true spa-like retreat. This luxury retreat offers a rare blend of space, privacy, and timeless updates. Schedule your private showing today and step into the lifestyle you deserve!

Listing courtesy of BRIGHT / Redfin Corp

Last checked: Checking… • Last updated Jun 7, 2025 •

MLS# MDCR2027866 —

The Building

Year Built:

2001
Year Built Source:

Assessor
Roof:

Composite, Shingle
New Construction:

No
Construction Materials:

Aluminum Siding, Vinyl Siding
Structure Type:

Detached
Architectural Style:

Traditional
Levels:

3
Accessibility Features:

None
Foundation Details:

Other
Basement:

Yes
Basement Type:

Unfinished
Total SqFt Source:

Assessor
Total Below Grade SqFt:

1948
Total Below Grade SqFt Source:

Assessor
Above Grade Finished Area Units:

Square Feet
Above Grade Finished SqFt:

3840
Above Grade Finished SqFt Source:

Assessor
Below Grade Finished Area Units:

Square Feet
Below Grade Unfinished Area Units:

Square Feet
Below Grade Finished SqFt Source:

Assessor
Below Grade Unfinished SqFt:

1948
Below Grade Unfinished SqFt Source:

Assessor
Tax Total Finished SqFt:

3840

Interior

Fireplace:

Yes
Fireplaces:

1
Living Area SqFt Source:

Assessor

Room Dimensions

Total SqFt:

5788
Living Area SqFt:

3,840 Sqft

Financial & Terms

Sale Type:

Standard
Possession:

Negotiable, Settlement

Location

Directions:

Please use Google Maps.
Latitude:

39.51945000
Longitude:

-76.88566000

The Property

Property Type:

Residential
Property Condition:

Good
Lot Size Units:

Square Feet
Lot Size Acres:

2.00
Lot Size Source:

Assessor
Lot SqFt:

87,120 Sqft
Zoning:

CONSE
In City Limits:

No
Other Structures:

Above Grade, Below Grade
Horse:

No
Waterview:

No
Waterfront:

No
Water Oriented:

No
Water Access:

No
Navigable Water:

No
Tidal Water:

No
Land Use Code:

R
Ground Rent Exists:

No
Riparian Rights:

No

Listing Agent

Contact info:

Taxes

Tax ID Number:

0704073118
Tax Year:

2024
Tax Lot:

86
Tax Annual Amount:

$6,836
Tax Assessed Value:

$615,700
Year Assessed:

2025
County Tax:

6776.00
Total Taxes Payment Frequency:

Annually

Beds

Bedrooms:

5
Bedrooms Main Level:

1
Upper Level Bedrooms:

4
Upper Level 1 Bedrooms:

4

Baths

Total Baths:

4
Full Baths:

4
Main Level Baths:

1.00
Main Level Full Baths:

1
Upper Level Full Baths:

3
Upper Level Total Baths:

3
Upper Level Total Baths:

3.00
Upper Level Full Baths:

3

The Listing

Virtual Tour

Heating & Cooling

Cooling Type:

Central A/C
Central Air:

Yes
Cooling Fuel:

Electric
Heating:

Yes
Heating Type:

Other
Heating Fuel:

Propane - Owned

Utilities

Sewer/Septic:

Private Septic Tank
Hot Water:

Propane
Water Source:

Well, Private

Appliances

Laundry Type:

Has Laundry

Schools

Elementary School:

Sandymount
Middle School:

Shiloh
High School:

WESTMINSTER
School District Name:

Carroll County Public Schools
School District Source:

3rd Party

The Community

Subdivision Name:

River Downs
Senior Community:

No
Pool:

No Pool
Spa:

No
HOA:

No
Condo/Coop Association:

No

Parking

Total Garage and Parking Spaces:

7
Garage:

Yes
Garage Features:

Garage - Rear Entry
Garage Spaces:

3.00
Type of Parking:

Driveway, Attached Garage
Parking Features:

Asphalt Driveway
# of Attached Garage Spaces:

3
Driveway - # of Spaces:

4

Extra Units

Vacation Rental:

No

Monthly cost estimate

Asking price

$869,900

Expense	Monthly cost
Mortgage	$4,658
Taxes	$569
Insurance	$239
Utilities	$215 See report
Total	$5,681/mo.^*
	^*This is an estimate

Explore the Area

My Commute

From

Walk Score®

Provided by WalkScore® Inc.

Soundscore™

Provided by HowLoud

Air Pollution Index

Provided by ClearlyEnergy

Sale history

Date	Event	Source	Price	% Change
6/7/25 Jun 7, 2025	Sold Subject To Contingencies	BRIGHT	$869,900
6/5/25 Jun 5, 2025	Listed / Active	BRIGHT	$869,900

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This house located in MD 21048 is currently for sale for $869,900. 3109 Deerham Drive is a 3,840 square foot house with 5 beds and 4 baths. This house is in the attendance area of Westminster High School and Shiloh Middle School.

Listing Courtesy of: BRIGHT and Redfin Corp.

The information included in this listing is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information on each listing is furnished by the owner and deemed reliable to the best of his/her knowledge, but should be verified by the purchaser. BRIGHT MLS and Estately assume no responsibility for typographical errors, misprints or misinformation. This property is offered without respect to any protected classes in accordance with the law. Some real estate firms do not participate in IDX and their listings do not appear on this website. Some properties listed with participating firms do not appear on this website at the request of the seller.