989 Ridge Road
FINKSBURG, MD 21048
- 4 beds
- 5 baths
- 2,910 sqft
- ~2 acre lot
- $216 per sqft
- 1997 build
ALL OFFERS DUE TUES., APRIL 29 BY 5PM! MULTIPLE OFFERS, SELLER WANTS JUNE 6 SETTLEMENT. Your country paradise awaits in beautiful Finksburg! Tucked away on 2.33 scenic acres, this well-maintained home blends rustic charm with modern updates in a dreamy countryside setting. Step inside to discover a warm and inviting main level featuring a stunning cathedral ceiling, expansive windows, and a cozy ski-lodge feel. The spacious primary suite is conveniently located on the main level, complete with a beautifully remodeled bathroom designed for relaxation. Upstairs, you’ll find a private bedroom retreat with its own updated en-suite bath and an open loft area—ideal as a sitting room, reading nook, or home office. The walkout lower level offers fantastic flexibility with a large recreation room anchored by a wood stove, another remodeled full bathroom, a mechanical/storage room, and a massive bonus space perfect for a gym, craft room, music studio, kids’ playroom—endless possibilities! Car enthusiasts or hobbyists will love the oversized garage with a main level half bath and an incredible upper-level in-law suite featuring a full kitchen/living combo, full bathroom, and washer/dryer hook-up—great for guests, extended family, or even rental potential. Don’t miss your chance to own this peaceful retreat just minutes from town—schedule your showing today and fall in love with your forever home!
Last checked:
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Last updated May 6, 2025
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MLS# MDCR2025956 —
The Building
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Year Built:1997
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Year Built Source:Assessor
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New Construction:No
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Construction Materials:Concrete, Vinyl Siding
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Structure Type:Detached
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Architectural Style:Contemporary
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Levels:3
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Accessibility Features:None
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Foundation Details:Block
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Basement:Yes
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Basement Type:Daylight, Partial, Partially Finished, Walkout Level, Side Entrance
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Total SqFt Source:Assessor
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Total Below Grade SqFt:1336
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Total Below Grade SqFt Source:Assessor
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Above Grade Finished Area Units:Square Feet
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Above Grade Finished SqFt:2010
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Above Grade Finished SqFt Source:Assessor
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Below Grade Finished Area Units:Square Feet
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Below Grade Unfinished Area Units:Square Feet
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Below Grade Finished SqFt Source:Assessor
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Below Grade Finished SqFt:900
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Below Grade Unfinished SqFt:436
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Below Grade Unfinished SqFt Source:Assessor
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Tax Total Finished SqFt:2910
Interior
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Interior Features:Attic, Bathroom - Walk-In Shower, Ceiling Fan(s), Carpet, Combination Dining/Living, Kitchen - Eat-In, Walk-in Closet(s), Wood Floors
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Room List:Living Room, Dining Room, Primary Bedroom, Sitting Room, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Exercise Room, Recreation Room, Bathroom 2, Bathroom 3, Primary Bathroom, Half Bath
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Flooring Type:Hardwood, Ceramic Tile, Fully Carpeted
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Fireplace:Yes
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Fireplaces:1
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Fireplace Features:Wood, Mantel(s), Stone
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Wall & Ceilings:Cathedral Ceilings, Dry Wall
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Living Area SqFt Source:Assessor
Room Dimensions
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Total SqFt:3346
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Living Area SqFt:2,910 Sqft
Financial & Terms
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Sale Type:Standard
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Acceptable Financing:Cash, Conventional, FHA, VA
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Possession:Immediate
Location
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Directions:GPS
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Latitude:39.54958000
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Longitude:-76.89322000
The Property
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Property Type:Residential
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Property Condition:Excellent
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Lot Size Units:Square Feet
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Lot Size Acres:2.33
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Lot Size Source:Assessor
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Lot Features:Backs to Trees, Landscaping
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Lot SqFt:101,495 Sqft
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Zoning:AGRIC
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In City Limits:No
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Other Structures:Above Grade, Below Grade
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Waterview:No
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Fencing:Wood
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Waterfront:No
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Water Oriented:No
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Water Access:No
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Navigable Water:No
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Tidal Water:No
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Land Use Code:R
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Riparian Rights:No
Listing Agent
- Contact info:
- Agent phone:
- (443) 695-0686
- Office phone:
- (410) 795-9600
Taxes
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Tax ID Number:0704044258
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Tax Year:2024
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Tax Lot:3
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Tax Annual Amount:$5,556
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Tax Assessed Value:$486,400
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Year Assessed:2024
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County Tax:5496.00
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Total Taxes Payment Frequency:Annually
Beds
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Bedrooms:4
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Bedrooms Main Level:1
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Upper Level Bedrooms:3
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Upper Level 1 Bedrooms:3
Baths
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Total Baths:5
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Full Baths:4
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Half Baths:1
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Main Level Baths:1.00
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Main Level Full Baths:1
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Upper Level Full Baths:2
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Lower Level Half Baths:1
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Lower Level Full Baths:1
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Upper Level Total Baths:2
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Upper Level Total Baths:2.00
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All Lower Levels Total Baths:2
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Lower Level Total Baths:2.00
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Upper Level Full Baths:2
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Lower Level Full Baths:1
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Lower Level Half Baths:1
Heating & Cooling
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Cooling Type:Central A/C, Ceiling Fan(s)
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Central Air:Yes
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Cooling Fuel:Electric
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Heating:Yes
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Heating Type:Heat Pump(s)
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Heating Fuel:Electric
Utilities
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Sewer/Septic:Private Septic Tank
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Hot Water:Electric
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Water Source:Well
Appliances
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Appliances:Dishwasher, Exhaust Fan, Microwave, Refrigerator, Washer, Water Heater, Dryer
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Laundry Type:Main Floor
Schools
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School District Name:Carroll County Public Schools
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School District Source:Listing Agent
The Community
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Subdivision Name:None Available
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Senior Community:No
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Exterior Features:Exterior Lighting
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Pool:No Pool
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HOA:No
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Condo/Coop Association:No
Parking
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Total Garage and Parking Spaces:11
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Garage:Yes
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Garage Features:Garage Door Opener, Garage - Front Entry, Oversized
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Garage Spaces:2.00
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Garage SqFt:1422
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Type of Parking:Attached Carport, Detached Garage, Driveway
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# of Detached Garage Spaces:2
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# of Attached Carport Spaces:2
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Driveway - # of Spaces:7
Extra Units
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Vacation Rental:No
Monthly cost estimate

Asking price
$630,000
Expense | Monthly cost |
---|---|
Mortgage
This calculator is intended for planning and education purposes only. It relies on assumptions and information provided by you regarding your goals, expectations and financial situation, and should not be used as your sole source of information. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. |
$3,373
|
Taxes | $463 |
Insurance | $173 |
Utilities | $235 See report |
Total | $4,244/mo.* |
*This is an estimate |
Walk Score®
Provided by WalkScore® Inc.
Walk Score is the most well-known measure of walkability for any address. It is based on the distance to a variety of nearby services and pedestrian friendliness. Walk Scores range from 0 (Car-Dependent) to 100 (Walker’s Paradise).
Bike Score®
Provided by WalkScore® Inc.
Bike Score evaluates a location's bikeability. It is calculated by measuring bike infrastructure, hills, destinations and road connectivity, and the number of bike commuters. Bike Scores range from 0 (Somewhat Bikeable) to 100 (Biker’s Paradise).
Soundscore™
Provided by HowLoud
Soundscore is an overall score that accounts for traffic, airport activity, and local sources. A Soundscore rating is a number between 50 (very loud) and 100 (very quiet).
Air Pollution Index
Provided by ClearlyEnergy
The air pollution index is calculated by county or urban area using the past three years data. The index ranks the county or urban area on a scale of 0 (best) - 100 (worst) across the United Sates.
Sale history
Date | Event | Source | Price | % Change |
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4/30/25
Apr 30, 2025
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Pending | BRIGHT | $630,000 | |
4/25/25
Apr 25, 2025
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Listed / Active | BRIGHT | $630,000 |