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1037-1037-1-2-spruce-st,hagerstown,md,21740

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1037 & 1037 1/2 Spruce St

Hagerstown, MD, 21740

For Sale $299,900 ($117.15 per Sq Ft)

$299,900 ($117.15 per Sq Ft)

☆☆☆☆☆★★★★★
Five Stars
(0)

Unknown Bedrooms
Unknown Bathrooms
2,560 Sq Ft
7,405 Sq Ft

Description

Great, updated duplex with plenty of living space in two separate units, 6 bedrooms, 3 full baths total, tenants pay all utilities on a large, flat lot! Currently fully rented at $2150/month (1,150 and 1,000 on each side) and tenants would like to stay for a cash flow positive rental OR live in one side and have a great cash flow positive rental on the other side! One side has 3 bedrooms 1 full bath and 30K of updates with white shaker cabinets, newer appliances, full bathroom with renovated shower, vanity with granite top, electrical, paint, LVT flooring, and seller offering a $2,500 credit at closing for new carpet. The other side also has 3 bedrooms, 2 full baths and is in fair condition and working order and has a brand new refrigerator, dishwasher, garbage disposal, and plumbing! Located in booming Hagerstown (new 100M+growth yearly!). One owner is a licensed agent.

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Amenities

Garage

Pool

Garden

Security System

Internet

Telephone

Heating

Fireplace

Balcony & Patio

TV / Cable

Laundry

Hardwood Floors

Spa

Air Conditioning

Solar Power

Floor Plan

Great Views

Natural Light

Quiet

Water View

Elevator

Guest Unit(s)

Furnished

220 Volt

Property Details

List Price	$299,900
Property Type	Duplex (2-units)
Usable Sqft	2,560
Number of Stories	2 stories
Parking Spots	0 spots
Year Built	1910
Last Sold	Unknown
Sold Price	Unknown

APN #	2203015459
MLS #	MDWA2024194
Property ID	294103341
Lot Sqft	7,405
Zoning	RMOD
Total Units	2
Days on Market	159
Original List Price	Unknown
Applicances	Washer,Dryer,Dishwasher,Refrigerator,Oven/Range - Electric,Range Hood%
Date Updated	March 25, 2025
Date Created	October 26, 2024

Listing Provided By

Jennifer D Young an agent of Keller Williams Chantilly Ventures.

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The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which participates, and is provided by BRIGHT through a licensing agreement.

The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Some properties which appear for sale on this website may no longer be available because they are under contract, have Closed or are no longer being offered for sale.

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This home sale information is not to be construed as an appraisal and may not be used as such for any purpose.

BRIGHT MLS is the (or a) provider of this home sale information and has compiled content from various sources. Some properties represented may not have actually sold due to reporting errors.

Information Deemed Reliable But Not Guaranteed

Data last updated: April 03, 2025.

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$2,264
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Estimated payment	$2,264 /mo
Loan amount	$299,900
Down payment	$0
Interest rate	7.5%
Loan term	30 years
Taxes & insurance included?	YES
Property tax	1.2%/YR
Homeowner's insurance	$67/mo
HOA dues	$0/mo

Payment Breakdown

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Your payment
$2,264
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $454,944 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$2,097	$223	$1,874	$299,677
2	$2,097	$224	$1,873	$299,453
3	$2,097	$225	$1,872	$299,228
4	$2,097	$227	$1,870	$299,001
5	$2,097	$228	$1,869	$298,773
6	$2,097	$230	$1,867	$298,543
7	$2,097	$231	$1,866	$298,312
8	$2,097	$233	$1,864	$298,080
9	$2,097	$234	$1,863	$297,846
10	$2,097	$235	$1,862	$297,610
11	$2,097	$237	$1,860	$297,373
12	$2,097	$238	$1,859	$297,135
13	$2,097	$240	$1,857	$296,895
14	$2,097	$241	$1,856	$296,653
15	$2,097	$243	$1,854	$296,410
16	$2,097	$244	$1,853	$296,166
17	$2,097	$246	$1,851	$295,920
18	$2,097	$248	$1,850	$295,673
19	$2,097	$249	$1,848	$295,424
20	$2,097	$251	$1,846	$295,173
21	$2,097	$252	$1,845	$294,921
22	$2,097	$254	$1,843	$294,667
23	$2,097	$255	$1,842	$294,412
24	$2,097	$257	$1,840	$294,155
25	$2,097	$259	$1,838	$293,896
26	$2,097	$260	$1,837	$293,636
27	$2,097	$262	$1,835	$293,374
28	$2,097	$263	$1,834	$293,111
29	$2,097	$265	$1,832	$292,846
30	$2,097	$267	$1,830	$292,579
31	$2,097	$268	$1,829	$292,311
32	$2,097	$270	$1,827	$292,041
33	$2,097	$272	$1,825	$291,769
34	$2,097	$273	$1,824	$291,495
35	$2,097	$275	$1,822	$291,220
36	$2,097	$277	$1,820	$290,943
37	$2,097	$279	$1,818	$290,665
38	$2,097	$280	$1,817	$290,385
39	$2,097	$282	$1,815	$290,102
40	$2,097	$284	$1,813	$289,819
41	$2,097	$286	$1,811	$289,533
42	$2,097	$287	$1,810	$289,246
43	$2,097	$289	$1,808	$288,956
44	$2,097	$291	$1,806	$288,665
45	$2,097	$293	$1,804	$288,372
46	$2,097	$295	$1,802	$288,078
47	$2,097	$297	$1,800	$287,781
48	$2,097	$298	$1,799	$287,483
49	$2,097	$300	$1,797	$287,183
50	$2,097	$302	$1,795	$286,881
51	$2,097	$304	$1,793	$286,577
52	$2,097	$306	$1,791	$286,271
53	$2,097	$308	$1,789	$285,963
54	$2,097	$310	$1,787	$285,653
55	$2,097	$312	$1,785	$285,341
56	$2,097	$314	$1,783	$285,028
57	$2,097	$316	$1,781	$284,712
58	$2,097	$318	$1,779	$284,395
59	$2,097	$320	$1,777	$284,075
60	$2,097	$322	$1,775	$283,754
61	$2,097	$324	$1,773	$283,430
62	$2,097	$326	$1,771	$283,105
63	$2,097	$328	$1,769	$282,777
64	$2,097	$330	$1,767	$282,447
65	$2,097	$332	$1,765	$282,116
66	$2,097	$334	$1,763	$281,782
67	$2,097	$336	$1,761	$281,446
68	$2,097	$338	$1,759	$281,108
69	$2,097	$340	$1,757	$280,768
70	$2,097	$342	$1,755	$280,426
71	$2,097	$344	$1,753	$280,081
72	$2,097	$346	$1,751	$279,735
73	$2,097	$349	$1,748	$279,386
74	$2,097	$351	$1,746	$279,035
75	$2,097	$353	$1,744	$278,682
76	$2,097	$355	$1,742	$278,327
77	$2,097	$357	$1,740	$277,970
78	$2,097	$360	$1,737	$277,610
79	$2,097	$362	$1,735	$277,248
80	$2,097	$364	$1,733	$276,884
81	$2,097	$366	$1,731	$276,517
82	$2,097	$369	$1,728	$276,149
83	$2,097	$371	$1,726	$275,777
84	$2,097	$373	$1,724	$275,404
85	$2,097	$376	$1,721	$275,028
86	$2,097	$378	$1,719	$274,650
87	$2,097	$380	$1,717	$274,270
88	$2,097	$383	$1,714	$273,887
89	$2,097	$385	$1,712	$273,502
90	$2,097	$388	$1,709	$273,114
91	$2,097	$390	$1,707	$272,724
92	$2,097	$392	$1,705	$272,332
93	$2,097	$395	$1,702	$271,937
94	$2,097	$397	$1,700	$271,539
95	$2,097	$400	$1,697	$271,140
96	$2,097	$402	$1,695	$270,737
97	$2,097	$405	$1,692	$270,332
98	$2,097	$407	$1,690	$269,925
99	$2,097	$410	$1,687	$269,515
100	$2,097	$413	$1,684	$269,102
101	$2,097	$415	$1,682	$268,687
102	$2,097	$418	$1,679	$268,270
103	$2,097	$420	$1,677	$267,849
104	$2,097	$423	$1,674	$267,426
105	$2,097	$426	$1,671	$267,001
106	$2,097	$428	$1,669	$266,572
107	$2,097	$431	$1,666	$266,142
108	$2,097	$434	$1,663	$265,708
109	$2,097	$436	$1,661	$265,272
110	$2,097	$439	$1,658	$264,833
111	$2,097	$442	$1,655	$264,391
112	$2,097	$445	$1,652	$263,946
113	$2,097	$447	$1,650	$263,499
114	$2,097	$450	$1,647	$263,049
115	$2,097	$453	$1,644	$262,596
116	$2,097	$456	$1,641	$262,140
117	$2,097	$459	$1,638	$261,681
118	$2,097	$461	$1,636	$261,220
119	$2,097	$464	$1,633	$260,755
120	$2,097	$467	$1,630	$260,288
121	$2,097	$470	$1,627	$259,818
122	$2,097	$473	$1,624	$259,345
123	$2,097	$476	$1,621	$258,869
124	$2,097	$479	$1,618	$258,390
125	$2,097	$482	$1,615	$257,908
126	$2,097	$485	$1,612	$257,423
127	$2,097	$488	$1,609	$256,934
128	$2,097	$491	$1,606	$256,443
129	$2,097	$494	$1,603	$255,949
130	$2,097	$497	$1,600	$255,452
131	$2,097	$500	$1,597	$254,951
132	$2,097	$504	$1,593	$254,448
133	$2,097	$507	$1,590	$253,941
134	$2,097	$510	$1,587	$253,431
135	$2,097	$513	$1,584	$252,918
136	$2,097	$516	$1,581	$252,402
137	$2,097	$519	$1,578	$251,882
138	$2,097	$523	$1,574	$251,360
139	$2,097	$526	$1,571	$250,834
140	$2,097	$529	$1,568	$250,304
141	$2,097	$533	$1,564	$249,772
142	$2,097	$536	$1,561	$249,236
143	$2,097	$539	$1,558	$248,697
144	$2,097	$543	$1,554	$248,154
145	$2,097	$546	$1,551	$247,608
146	$2,097	$549	$1,548	$247,058
147	$2,097	$553	$1,544	$246,505
148	$2,097	$556	$1,541	$245,949
149	$2,097	$560	$1,537	$245,389
150	$2,097	$563	$1,534	$244,826
151	$2,097	$567	$1,530	$244,259
152	$2,097	$570	$1,527	$243,689
153	$2,097	$574	$1,523	$243,115
154	$2,097	$578	$1,519	$242,537
155	$2,097	$581	$1,516	$241,956
156	$2,097	$585	$1,512	$241,371
157	$2,097	$588	$1,509	$240,783
158	$2,097	$592	$1,505	$240,191
159	$2,097	$596	$1,501	$239,595
160	$2,097	$600	$1,497	$238,996
161	$2,097	$603	$1,494	$238,392
162	$2,097	$607	$1,490	$237,785
163	$2,097	$611	$1,486	$237,174
164	$2,097	$615	$1,482	$236,560
165	$2,097	$619	$1,479	$235,941
166	$2,097	$622	$1,475	$235,319
167	$2,097	$626	$1,471	$234,693
168	$2,097	$630	$1,467	$234,062
169	$2,097	$634	$1,463	$233,428
170	$2,097	$638	$1,459	$232,790
171	$2,097	$642	$1,455	$232,148
172	$2,097	$646	$1,451	$231,502
173	$2,097	$650	$1,447	$230,852
174	$2,097	$654	$1,443	$230,198
175	$2,097	$658	$1,439	$229,540
176	$2,097	$662	$1,435	$228,877
177	$2,097	$667	$1,430	$228,211
178	$2,097	$671	$1,426	$227,540
179	$2,097	$675	$1,422	$226,865
180	$2,097	$679	$1,418	$226,186
181	$2,097	$683	$1,414	$225,503
182	$2,097	$688	$1,409	$224,815
183	$2,097	$692	$1,405	$224,123
184	$2,097	$696	$1,401	$223,427
185	$2,097	$701	$1,396	$222,726
186	$2,097	$705	$1,392	$222,021
187	$2,097	$709	$1,388	$221,312
188	$2,097	$714	$1,383	$220,598
189	$2,097	$718	$1,379	$219,880
190	$2,097	$723	$1,374	$219,157
191	$2,097	$727	$1,370	$218,430
192	$2,097	$732	$1,365	$217,698
193	$2,097	$736	$1,361	$216,962
194	$2,097	$741	$1,356	$216,221
195	$2,097	$746	$1,351	$215,475
196	$2,097	$750	$1,347	$214,725
197	$2,097	$755	$1,342	$213,970
198	$2,097	$760	$1,337	$213,210
199	$2,097	$764	$1,333	$212,446
200	$2,097	$769	$1,328	$211,676
201	$2,097	$774	$1,323	$210,902
202	$2,097	$779	$1,318	$210,124
203	$2,097	$784	$1,313	$209,340
204	$2,097	$789	$1,308	$208,551
205	$2,097	$794	$1,303	$207,758
206	$2,097	$799	$1,298	$206,959
207	$2,097	$804	$1,293	$206,156
208	$2,097	$809	$1,288	$205,347
209	$2,097	$814	$1,283	$204,534
210	$2,097	$819	$1,278	$203,715
211	$2,097	$824	$1,273	$202,891
212	$2,097	$829	$1,268	$202,062
213	$2,097	$834	$1,263	$201,228
214	$2,097	$839	$1,258	$200,389
215	$2,097	$845	$1,252	$199,544
216	$2,097	$850	$1,247	$198,694
217	$2,097	$855	$1,242	$197,839
218	$2,097	$861	$1,236	$196,979
219	$2,097	$866	$1,231	$196,113
220	$2,097	$871	$1,226	$195,241
221	$2,097	$877	$1,220	$194,365
222	$2,097	$882	$1,215	$193,483
223	$2,097	$888	$1,209	$192,595
224	$2,097	$893	$1,204	$191,702
225	$2,097	$899	$1,198	$190,803
226	$2,097	$904	$1,193	$189,898
227	$2,097	$910	$1,187	$188,988
228	$2,097	$916	$1,181	$188,072
229	$2,097	$922	$1,175	$187,151
230	$2,097	$927	$1,170	$186,223
231	$2,097	$933	$1,164	$185,290
232	$2,097	$939	$1,158	$184,351
233	$2,097	$945	$1,152	$183,407
234	$2,097	$951	$1,146	$182,456
235	$2,097	$957	$1,140	$181,499
236	$2,097	$963	$1,134	$180,537
237	$2,097	$969	$1,128	$179,568
238	$2,097	$975	$1,122	$178,593
239	$2,097	$981	$1,116	$177,612
240	$2,097	$987	$1,110	$176,625
241	$2,097	$993	$1,104	$175,632
242	$2,097	$999	$1,098	$174,633
243	$2,097	$1,006	$1,091	$173,628
244	$2,097	$1,012	$1,085	$172,616
245	$2,097	$1,018	$1,079	$171,598
246	$2,097	$1,025	$1,072	$170,573
247	$2,097	$1,031	$1,066	$169,542
248	$2,097	$1,037	$1,060	$168,505
249	$2,097	$1,044	$1,053	$167,461
250	$2,097	$1,050	$1,047	$166,411
251	$2,097	$1,057	$1,040	$165,354
252	$2,097	$1,064	$1,033	$164,290
253	$2,097	$1,070	$1,027	$163,220
254	$2,097	$1,077	$1,020	$162,143
255	$2,097	$1,084	$1,013	$161,059
256	$2,097	$1,090	$1,007	$159,969
257	$2,097	$1,097	$1,000	$158,872
258	$2,097	$1,104	$993	$157,768
259	$2,097	$1,111	$986	$156,657
260	$2,097	$1,118	$979	$155,539
261	$2,097	$1,125	$972	$154,414
262	$2,097	$1,132	$965	$153,282
263	$2,097	$1,139	$958	$152,143
264	$2,097	$1,146	$951	$150,997
265	$2,097	$1,153	$944	$149,844
266	$2,097	$1,160	$937	$148,683
267	$2,097	$1,168	$929	$147,516
268	$2,097	$1,175	$922	$146,341
269	$2,097	$1,182	$915	$145,158
270	$2,097	$1,190	$907	$143,968
271	$2,097	$1,197	$900	$142,771
272	$2,097	$1,205	$892	$141,566
273	$2,097	$1,212	$885	$140,354
274	$2,097	$1,220	$877	$139,134
275	$2,097	$1,227	$870	$137,907
276	$2,097	$1,235	$862	$136,672
277	$2,097	$1,243	$854	$135,429
278	$2,097	$1,251	$846	$134,179
279	$2,097	$1,258	$839	$132,920
280	$2,097	$1,266	$831	$131,654
281	$2,097	$1,274	$823	$130,380
282	$2,097	$1,282	$815	$129,098
283	$2,097	$1,290	$807	$127,808
284	$2,097	$1,298	$799	$126,509
285	$2,097	$1,306	$791	$125,203
286	$2,097	$1,314	$783	$123,889
287	$2,097	$1,323	$774	$122,566
288	$2,097	$1,331	$766	$121,235
289	$2,097	$1,339	$758	$119,896
290	$2,097	$1,348	$749	$118,548
291	$2,097	$1,356	$741	$117,192
292	$2,097	$1,365	$732	$115,827
293	$2,097	$1,373	$724	$114,454
294	$2,097	$1,382	$715	$113,073
295	$2,097	$1,390	$707	$111,682
296	$2,097	$1,399	$698	$110,283
297	$2,097	$1,408	$689	$108,876
298	$2,097	$1,417	$680	$107,459
299	$2,097	$1,425	$672	$106,034
300	$2,097	$1,434	$663	$104,599
301	$2,097	$1,443	$654	$103,156
302	$2,097	$1,452	$645	$101,704
303	$2,097	$1,461	$636	$100,243
304	$2,097	$1,470	$627	$98,772
305	$2,097	$1,480	$617	$97,292
306	$2,097	$1,489	$608	$95,803
307	$2,097	$1,498	$599	$94,305
308	$2,097	$1,508	$589	$92,798
309	$2,097	$1,517	$580	$91,281
310	$2,097	$1,527	$571	$89,754
311	$2,097	$1,536	$561	$88,218
312	$2,097	$1,546	$551	$86,672
313	$2,097	$1,555	$542	$85,117
314	$2,097	$1,565	$532	$83,552
315	$2,097	$1,575	$522	$81,977
316	$2,097	$1,585	$512	$80,393
317	$2,097	$1,595	$502	$78,798
318	$2,097	$1,605	$492	$77,194
319	$2,097	$1,615	$482	$75,579
320	$2,097	$1,625	$472	$73,954
321	$2,097	$1,635	$462	$72,320
322	$2,097	$1,645	$452	$70,675
323	$2,097	$1,655	$442	$69,019
324	$2,097	$1,666	$431	$67,354
325	$2,097	$1,676	$421	$65,678
326	$2,097	$1,687	$410	$63,991
327	$2,097	$1,697	$400	$62,294
328	$2,097	$1,708	$389	$60,587
329	$2,097	$1,718	$379	$58,868
330	$2,097	$1,729	$368	$57,139
331	$2,097	$1,740	$357	$55,399
332	$2,097	$1,751	$346	$53,648
333	$2,097	$1,762	$335	$51,887
334	$2,097	$1,773	$324	$50,114
335	$2,097	$1,784	$313	$48,330
336	$2,097	$1,795	$302	$46,535
337	$2,097	$1,806	$291	$44,729
338	$2,097	$1,817	$280	$42,912
339	$2,097	$1,829	$268	$41,083
340	$2,097	$1,840	$257	$39,243
341	$2,097	$1,852	$245	$37,391
342	$2,097	$1,863	$234	$35,528
343	$2,097	$1,875	$222	$33,653
344	$2,097	$1,887	$210	$31,766
345	$2,097	$1,898	$199	$29,868
346	$2,097	$1,910	$187	$27,957
347	$2,097	$1,922	$175	$26,035
348	$2,097	$1,934	$163	$24,101
349	$2,097	$1,946	$151	$22,154
350	$2,097	$1,959	$138	$20,196
351	$2,097	$1,971	$126	$18,225
352	$2,097	$1,983	$114	$16,242
353	$2,097	$1,995	$102	$14,246
354	$2,097	$2,008	$89	$12,238
355	$2,097	$2,021	$76	$10,218
356	$2,097	$2,033	$64	$8,185
357	$2,097	$2,046	$51	$6,139
358	$2,097	$2,059	$38	$4,080
359	$2,097	$2,072	$26	$2,009
360	$2,097	$2,084	$13	$0

Our powerful mortgage calculator tools helps you estimate your potential mortgage payment on the purchase of a property. Use our tool to find the ideal combination of interest rates, downpayment and real estate purchase price to see the payment that best suits you. Please consult a licensed loan officer to be pre-approved for financing options.