$849,000

21809 Borrowed Time Ln SE Oldtown, MD 21555

Estimated payment $4,740/month

Total Views 4,496
6 Beds
4 Baths
3,126 Sq Ft
$272 Price per Sq Ft

Highlights

  • Horses Allowed On Property
  • View of Trees or Woods
  • Cape Cod Architecture
  • Greenhouse
  • 218 Acre Lot
  • Wood Burning Stove

About This Home

TO APPREICATE THE BEAUTIFUL LAYOUT, VIEWS AND EVERYTHING THIS PROEPRTY OFFERS, YOU MUST WATCH THE COMPREHENSIVE VIDEO TOUR. CONTACT LISTING AGENT FOR A LINK IF NEEDED. Is acreage, privacy, unlimited building potential or family compound/family development land on your checklist? This property may be it! Located in Allegany County near Oldtown, Maryland just 2.5 miles from the South Branch of the Potomac River and the storied C&O Canal, you’ll find this rolling, improved, wooded 218 acres. Turning off of Lower Town Creek Road, you’ll pass through the security gate and enter Borrowed Time Lane. This private, well maintained gravel road (with erosion control berms) will eventually lead you about one mile through gradual hills, valleys, gentle turns, and beautiful views back to the main dwelling. The first stop along the way is the previous in-law dwelling which is an 1,146 square foot manufactured home on its own well and septic with NEW METAL & SHINGLE ROOF. Here you’ll find a primary bedroom, en-suite bath, guest bedroom, another full bathroom, inviting living room area, combination kitchen/dining area, screened rear deck area, bonus room and laundry closet. Once updated, this dwelling could continue to be used as an in-law residence, au-pair residence, guest residence or combination/consolidation family residence. Continuing on, your next stop will be the 1,400 square foot poultry/animal pen offering beautiful valley views and plenty of room for expansion. The next stop along the way features a 24x16 equine/animal barn as well as a 1.5 acre fenced corral. If horses or animals are on your checklist, this is set up and ready to go. How does one maintain all of this beautiful land? With the 1,176 square foot pull-through pole barn/maintenance building offering plenty of room for your maintenance equipment, four-wheelers, loaders, etc. Last but certainly not least is the 1,980 square foot main residence. This was intended to be the owner’s temporary residence as he built his dream home but as sometimes happens, circumstances change and that was never started. This can now be your opportunity to pick up where he left off and select the location, size and attributes of your dream home on this beautiful property. Whether you build an additional home or are happy living here, you’ll find that this dwelling offers an open kitchen/dining/flex space area, wood stove, sunken living room area, office area, laundry/utility room, 2 full bathrooms, 4 bedrooms, well and septic as well as a NEW METAL ROOF. Note that room counts and square footage are for both dwellings. Currently in Agriculture/Forestry Conservation Program. Can be subdivided into 10 (1) acre parcels if taken out or 6 acres if left in. Sound like this property may have what it takes for your needs? Initial showings will require a 48-hour advance notice and require either proof of funds (if cash buyer) or verified pre-approval prior to scheduling. Please contact listing agent to arrange. Initial showings will entail a preview of the property and access to all buildings. The owner will meet buyers and their agent at the entrance gate for access. A follow-up showing can then be arranged with the owner to ride the property boundaries and trails if desired.

Listing Agent

David Friedrich

Coldwell Banker Realty License #RS334013 Listed on: 06/13/2025

Coldwell Banker Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,802

Year Built

  • Built in 1989

Lot Details

  • 218 Acre Lot
  • Rural Setting
  • No Through Street
  • Secluded Lot
  • Mountainous Lot
  • Wooded Lot
  • Backs to Trees or Woods
  • Additional 6 acre parcel (0102025469) & 7.19 acre parcel (0102008629).
  • Additional Land
  • Subdivision Possible
  • Property is in good condition
  • Property is zoned ZRC

Parking

  • Driveway

Property Views

  • Woods
  • Mountain

Home Design

  • Cape Cod Architecture
  • Craftsman Architecture
  • Stick Built Home

Interior Spaces

  • 3,126 Sq Ft Home
  • Property has 2 Levels
  • Traditional Floor Plan
  • Ceiling Fan
  • Wood Burning Stove
  • Combination Kitchen and Dining Room
  • Carpet
  • Crawl Space
  • Kitchen Island

Bedrooms and Bathrooms

  • 6 Main Level Bedrooms
  • 4 Full Bathrooms

Laundry

  • Laundry Room
  • Laundry on main level

Outdoor Features

  • Greenhouse
  • Pole Barn
  • Outbuilding

Schools

  • Flintstone Elementary School
  • Washington Middle School
  • Fort Hill High School

Horse Facilities and Amenities

  • Horses Allowed On Property
  • Paddocks
  • Run-In Shed
  • Riding Ring

Utilities

  • Window Unit Cooling System
  • Heating System Powered By Leased Propane
  • Wall Furnace
  • Electric Baseboard Heater
  • 200+ Amp Service
  • Well
  • Electric Water Heater
  • On Site Septic

Community Details

  • No Home Owners Association
  • Mountainous Community

Listing and Financial Details

  • Assessor Parcel Number 0102008610

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,802

Year Built

Built in 1989

Lot Details

0

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Craftsman, Cape Cod
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Main
  • Expected On Market: 6/17/2025 12:00:00 AM
  • Year Built: 1989
  • Remarks Public: TO APPREICATE THE BEAUTIFUL LAYOUT, VIEWS AND EVERYTHING THIS PROEPRTY OFFERS, YOU MUST WATCH THE COMPREHENSIVE VIDEO TOUR. CONTACT LISTING AGENT FOR A LINK IF NEEDED. Is acreage, privacy, unlimited building potential or family compound/family development land on your checklist? This property may be it! Located in Allegany County near Oldtown, Maryland just 2.5 miles from the South Branch of the Potomac River and the storied C&O Canal, you’ll find this rolling, improved, wooded 218 acres. Turning off of Lower Town Creek Road, you’ll pass through the security gate and enter Borrowed Time Lane. This private, well maintained gravel road (with erosion control berms) will eventually lead you about one mile through gradual hills, valleys, gentle turns, and beautiful views back to the main dwelling. The first stop along the way is the previous in-law dwelling which is an 1,146 square foot manufactured home on its own well and septic with NEW METAL & SHINGLE ROOF. Here you’ll find a primary bedroom, en-suite bath, guest bedroom, another full bathroom, inviting living room area, combination kitchen/dining area, screened rear deck area, bonus room and laundry closet. Once updated, this dwelling could continue to be used as an in-law residence, au-pair residence, guest residence or combination/consolidation family residence. Continuing on, your next stop will be the 1,400 square foot poultry/animal pen offering beautiful valley views and plenty of room for expansion. The next stop along the way features a 24x16 equine/animal barn as well as a 1.5 acre fenced corral. If horses or animals are on your checklist, this is set up and ready to go. How does one maintain all of this beautiful land? With the 1,176 square foot pull-through pole barn/maintenance building offering plenty of room for your maintenance equipment, four-wheelers, loaders, etc. Last but certainly not least is the 1,980 square foot main residence. This was intended to be the owner’s temporary residence as he built his dream home but as sometimes happens, circumstances change and that was never started. This can now be your opportunity to pick up where he left off and select the location, size and attributes of your dream home on this beautiful property. Whether you build an additional home or are happy living here, you’ll find that this dwelling offers an open kitchen/dining/flex space area, wood stove, sunken living room area, office area, laundry/utility room, 2 full bathrooms, 4 bedrooms, well and septic as well as a NEW METAL ROOF. Note that room counts and square footage are for both dwellings. Currently in Agriculture/Forestry Conservation Program. Can be subdivided into 10 (1) acre parcels if taken out or 6 acres if left in. Sound like this property may have what it takes for your needs? Initial showings will require a 48-hour advance notice and require either proof of funds (if cash buyer) or verified pre-approval prior to scheduling. Please contact listing agent to arrange. Initial showings will entail a preview of the property and access to all buildings. The owner will meet buyers and their agent at the entrance gate for access. A follow-up showing can then be arranged with the owner to ride the property boundaries and trails if desired.
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Interior Amenities: Carpet, Ceiling Fan(s), Combination Kitchen/Dining, Entry Level Bedroom, Floor Plan - Traditional, Kitchen - Island
  • Fireplace: No
  • Foundation Details: Crawl Space
  • Levels Count: 2
  • Basement: No
  • Laundry Type: Has Laundry, Main Floor
  • Total Sq Ft: 3126
  • Living Area Sq Ft: 3126
  • Price Per Sq Ft: 271.59
  • Above Grade Finished Sq Ft: 3126
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 21809

Beds/Baths

  • Bedrooms: 6
  • Main Level Bedrooms: 6
  • Total Bathrooms: 4
  • Full Bathrooms: 4
  • Main Level Bathrooms: 4.00
  • Main Level Full Bathrooms: 4

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Garage(s), Greenhouse, Pole Barn, Run-in Shed
  • Construction Materials: Stick Built
  • Exterior Features: Outbuilding(s)
  • View: Mountain, Trees/Woods
  • Water Access: No
  • Waterfront: No
  • Water Oriented: No
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Type Of Parking: Driveway

Utilities

  • Central Air Conditioning: No
  • Cooling Fuel: Electric
  • Cooling Type: Window Unit(s)
  • Electric Service: 200+ Amp Service
  • Heating Fuel: Electric, Wood, Propane - Leased
  • Heating Type: Baseboard - Electric, Wood Burn Stove, Wall Unit
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: On Site Septic
  • Water Source: Well

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA: No
  • Senior Community: No

Schools

  • School District: ALLEGANY COUNTY PUBLIC SCHOOLS
  • Elementary School: FLINTSTONE
  • Middle School: WASHINGTON
  • High School: FORT HILL
  • Elementary School Source: 3rd Party
  • High School Source: 3rd Party
  • Middle School Source: 3rd Party
  • School District Key: 121140562208
  • School District Source: 3rd Party
  • Elementary School: FLINTSTONE
  • High School: FORT HILL
  • Middle Or Junior School: WASHINGTON

Lot Info

  • Horses: Yes
  • Additional Parcels Description: Additional 6 acre parcel (0102025469) & 7.19 acre parcel (0102008629).
  • Horse Amenities: Horses Allowed, Riding Ring, Paddock
  • Land Use Code: A
  • Lot Features: Additional Lot(s), Backs To Trees, Mountainous, No Thru Street, Not In Development, Rural, Secluded, Unrestricted, Trees/Wooded, Subdivision Possible
  • Lot Size Acres: 218.00
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 9496080.00
  • Property Condition: Good
  • Year Assessed: 2025
  • Zoning: ZRC
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 1802.00
  • Assessor Parcel Number: 0102008610
  • Tax Total Finished Sq Ft: 1980
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024

MLS Schools

  • School District Name: ALLEGANY COUNTY PUBLIC SCHOOLS

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $1,733 $178,067 $0 $0
2024 $1,733 $165,800 $64,200 $101,600
2023 $1,684 $160,267 $0 $0
2022 $1,555 $154,733 $0 $0
2021 $1,576 $149,200 $59,300 $89,900
2020 $1,540 $147,533 $0 $0
2019 $1,487 $141,067 $0 $0
2018 $1,271 $134,600 $63,900 $70,700
2017 $1,453 $134,600 $0 $0
2016 -- $134,600 $0 $0
2015 $739 $136,700 $0 $0
2014 $739 $135,500 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
06/13/2025 06/13/25 For Sale $849,000 -- $272 / Sq Ft
Source: Bright MLS

Purchase History

Date Type Sale Price Title Company
Quit Claim Deed -- None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $50,000 Credit Line Revolving
Source: Public Records

Source: Bright MLS

MLS Number: MDAL2012014

Bright MLS

APN: 02-008610