8995 HAMBURG RD Frederick, MD 21702

Welcome to this charming stone-front rancher offering timeless character, thoughtful updates, and comfortable living spaces inside and out. Situated on a spacious corner lot surrounded by mature trees, this well-maintained home provides the perfect blend of warmth, functionality, and everyday convenience. Step inside to discover hardwood floors throughout the main level and a spacious living room centered around a cozy wood-burning fireplace, creating the perfect gathering place for family and friends. The updated kitchen is designed for both everyday living and entertaining, featuring white cabinetry, granite countertops, a peninsula with additional seating, a double sink, stainless steel appliances. The kitchen flows seamlessly into the dining room, where windows and French doors fill the space with natural light and a built-in hutch adds both charm and functionality. The main level offers two comfortable bedrooms and an updated full bath, while the finished lower level expands your living space with a third bedroom, a large recreation room, and a versatile den that can easily serve as a home office, gym, playroom, hobby space, or guest area, plus a large utility room, storage area and room to add a second full bath. Outdoor living is equally inviting with a large covered side porch, providing the perfect place to enjoy your morning coffee, relax in the evening, or entertain guests. A storage shed offers a place for lawn equipment, gardening tools, and seasonal items. This home has been lovingly maintained with numerous significant improvements over the years, providing added peace of mind for its next owner. Recent improvements include exterior and interior painting (2026), fireplace repairs (2026), a new roof (2025), new HWH (2024), a replacement septic system (2013), an updated bathroom (2008) with two large linen closets, replacement windows (2009), HVAC system (2010), UV light for safe drinking water, and front a stone walkway. This home's eligible location may qualify buyers for USDA 100% financing, providing an excellent opportunity for those who qualify to purchase a home with no down payment. Conveniently located near schools, restaurants, shopping, parks, and major commuter routes, this home offers the ideal location. Whether you are looking for your first home, downsizing to one-level living with additional finished space, or simply searching for a home that has been thoughtfully updated over the years, this inviting rancher is ready to welcome you home.