CHARIS REALTY GROUP
Agent Kathy Tobery

Kathy Tobery

AGENT

(301) 524-0761

kathy@wolfeteam.net

Personal website

About Kathy

Kathy Tobery is a dedicated Realtor with Charis Realty Group and a valued member of The Wolfe Team, licensed to serve clients throughout Maryland. As a Frederick County expert, Kathy brings unparalleled insight into the local market, including specific neighborhood trends and the unique characteristics of the region. Known for her "client-first" philosophy, she is a passionate advocate who goes above and beyond to ensure her clients' real estate goals are met with precision and care. Kathy’s professional approach is defined by her unwavering commitment to exceeding expectations, whether helping a first-time buyer find the perfect starter home or assisting a seller in securing top dollar for their investment. Her reputation is built on being community-minded, attentive, and highly responsive to the questions and needs of those she serves. Clients frequently describe her as exceptional and trustworthy, noting her ability to listen deeply to what matters most in a new home. By treating every transaction as if she were helping a friend, Kathy provides a stress-free experience that prioritizes integrity and personalized service. Outside of her professional life, she is deeply invested in the local community, which allows her to offer relevant insights that only a true local can provide. As part of the Charis family, Kathy takes immense pride in guiding her clients through every step of the real estate journey with a supportive and proactive touch. 

Featured Listings

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Gorgeous 300+ acres in the heart of Mountain Side Maryland. Endless possibilities! Complete with mineral rights. Located 2-3 hours from DC and Pittsburgh. Escape to peace and tranquility. Property is suitable for large-scale solar energy projects as well as thousands of tons of some of the best coal available.
#MDAL2011454

LONACONING

PINE HILL ROAD

None Beds

None Baths

346.73 acres

$2,600,000

MLS#: MDAL2011454

Prime location, traffic flow and visibility, adjacent to UMPC Medical Center, Allegany County Health Dept, total of 58.12 acres, owners wish to retain the 20 acres within the creek flood zone, but can be available if the buyer needs the entire parcel, endless possiblities
#MDAL2004572

CUMBERLAND

12528 WILLOWBROOK ROAD

None Beds

None Baths

58.12 acres

$1,750,000

MLS#: MDAL2004572

Welcome to Retreat Brown Dog Farm! A truly one-of-a-kind replica of a c. 1750 Williamsburg Colonial, this remarkable estate combines the timeless elegance of historic design with the comfort of modern systems and amenities. With over 6,320 finished square feet with 7 fireplaces, step inside the slate-floor foyer and immediately be drawn to the panoramic mountain views framed by the expansive glass windows of the family room. This stunning space features vaulted, beamed ceilings clad in shiplap, hardwood flooring, and remote-controlled window shades, creating a perfect blend of charm and sophistication. The newly renovated gourmet kitchen is a chef’s dream—complete with a gas fireplace, cooktop, stainless-steel appliances, coffee and beverage bar with drink cooler, custom cabinetry, and both a walk-in and built-in pantry. Take the kitchen staircase upstairs and you’ll find a versatile bedroom/studio/office with a half bath. The main level offers multiple inviting gathering areas, including a formal dining room, living room, ​f​amily room, and carriage house each highlighted by its own brick fireplace. A full bath and library/game room add to the functionality and flow of the home.​ Accents of unique brick floors compliment the kitchen, orangery, and floor between home and carriage house. A grand double staircase leads to the primary suite, complete with its own brick fireplace, luxurious ensuite bath with jetted spa tub and shower, and a walk-in closet. The upper level also includes one additional bedroom, with its own character—with a brick fireplace and full bath, plus a laundry room for convenience. The carriage house features a fourth bedroom and full bath, ideal for guests or extended family. Downstairs, the rustic-style basement offers a recreation area, lounging space, workshop/storage room with cabinetry, laundry sink, and second washer/dryer hookup, with walk-out access to the grounds. Nestled on almost 22 picturesque and usable acres, the property enjoys sweeping mountains and pastoral views. Continue the existing farm lease or create your own equestrian facility, bed & breakfast, or vineyard—the possibilities are endless. A custom-built deer stand is already in place for outdoor enthusiasts. An Accessory Dwelling Unit has been approved and designed by Dorman Builders for a tenant house/in-law home. Meticulously maintained and rich with detail, Brown Dog Farm is more than a home, it’s an experience you must see to believe. Come see it for yourself!
#MDFR2071468

UNION BRIDGE

9522 BESSIE CLEMSON ROAD

4 Beds

4 Baths

6,320 Sq.Ft.

$1,499,999

MLS#: MDFR2071468

Rare opportunity to own over 7 acres with public sewer in a peaceful, tree-lined neighborhood just 2 miles from Shady Grove Metro. Offering the perfect blend of space, seclusion, and convenience, this 7.05-acre property (per tax record) is zoned RE-1 and may allow for a variety of special uses, including a farmers market, church, residential care facility, construction administration or sales office, landscape contractor, among other potential opportunities (buyer to verify). A preliminary call with the county confirmed that the lot meets zoning and size requirements for potential subdivision. Buyers are encouraged to explore this possibility further. This custom Keystone home, originally built in 1991, was renovated between 2024 and 2025. Recent updates include Hardie board and batten siding and new gutters installed in 2024. The architectural shingle roof was replaced around 2010 by the prior owner. A generous deck (approx. 12.5’ x 24’) extends off the primary bedroom and overlooks the wooded property, complete with a new awning (2024) and sliding glass door (2024) for easy indoor-outdoor living. Out back, you'll find a large shed and a watertight shipping container, ideal for tools, hobbies, or equipment storage. Concrete parking is available directly in front of the two-car garage, with additional covered parking located next to the garage beneath the deck. A gravel driveway leads from the road to the home, while stamped concrete steps add a touch of charm as they guide you to the front entrance. Inside, the layout is bright and open, with a cathedral ceiling in the family room that flows into the dining area and kitchen. Hardwood floors (Mohawk Oak in Butterscotch finish) run throughout the upper level, and a cast iron wood-burning stove with soapstone detailing adds warmth and character. The kitchen includes a stainless steel refrigerator (2021), dishwasher, range, garbage disposal, and microwave. Laundry is conveniently located on the main level, with a washer and dryer that are less than a year old. The finished basement includes a rec room, full bath, bonus storage room, and interior access to the two-car garage. The home uses well water with a filtration system, and the water heater was replaced in 2020. The current owner maintained a scenic network of dirt bike and UTV trails throughout the property, which can be hiked to the upper section of Rock Creek Regional Park; home to the picturesque 75-acre Lake Needwood, popular for boating, fishing, hiking, and more. With the help of an excavator, the trails were widened to fit side-by-sides, creating the perfect setup for off-roading, dirt biking, or quad adventures right on your own property. There are two tributaries on the property that merge at the southeast edge, where they flow into Mill Creek just as it enters Rock Creek Park. Hawks, deer, box turtles, and tree frogs are frequent visitors to this peaceful oasis, offering a front-row seat to nature's beauty. Wildlife photos available upon request. Experience the charm of country living just minutes from the Metro! With easy access to I-270, MD-355, MD-200/ICC, and I-370, this is a truly rare opportunity to own a large parcel with public sewer, potential subdivision options, and RE-1 zoning benefits. Details about RE-1 zoning and allowable uses are available in the disclosures and on the county’s website. Buyer to verify how wetlands and watershed areas may impact intended use.
#MDMC2190736

DERWOOD

17101 OVERHILL

3 Beds

3 Baths

2,050 Sq.Ft.

$1,250,000

MLS#: MDMC2190736

Luxury 1st Floor living in URBANA Schools - Stunning in all directions from the brand new granite countertops throughout, freshly refinished showroom floors, peacefully desirable Sherman WIlliams neutral paint throughout. Welcome home to 11589 - A Nor Ray where a first floor handicapped accessible primary suite with propane fireplace and dual walk in closets await the most discerning of buyers. Office space and four additional bedrooms with en suite bathrooms, and powder rooms for entertaining guests and 2 family rooms await. Anchoring the shared space is a field stone hearth and fireplace featuring colors of soft blues and hues of grey. From all windows and in all directions, gorgeous views of mature landscaping, flagstone sitting porches and patios and colorful trees delight. Newer appliances, under cabinetry lighting and miles of storage with a large walk in pantry hilight the kitchen amid stunning granite counters. Disposal, dual ovens, a dishwasher, microwave and cooktop with tons of counter space were designed with family and entertaining in mind! A first floor laundry with organizational cabinetry sits adjacent the kitchen close to the garage entrance, side door, coat closets and large powder room. A fully sunlit 2nd family room and wet bar allows separate space for entertaining or could be the perfect 2nd primary ensuite if ever needed. The space is wrapped in glowing windows and has access to fresh air right down to the patio and firepit. On the lower walkout level is flex office/rec space, additional bedrooms, a full bathroom and a tremendous amount of storage. On 2 acres of serene private land, you'll find this classic built stone home with incredible features and so much to offer. Beyond the long paved and sealed driveway is a lighted flag pole, a RV pad with water and electric and a gorgeous sitting porch. and There is no HOA, no covenants and a cute little chicken house with a lovely storage garage too! There is space for a large detached workshop/garage/pool house and more!
#MDFR2069692

IJAMSVILLE

11589A NOR RAY CIRCLE

4 Beds

4 Baths

4,090 Sq.Ft.

$979,000

MLS#: MDFR2069692

**** Update***** This home comes with unique financing opportunities! The seller is willing to offer partial owner financing, creating additional flexibility for well-qualified buyers. Plus, our preferred lender offers special financing solutions designed to help buyers explore more accessible loan programs. Ask for details Lindal Cedar Home on 10.08 Acres of Peace & Beauty Tucked away on over ten acres of rolling woodland, 105 Rabbits Rest Lane is where timeless architecture meets tranquil living. This striking Lindal Cedar Home captures the essence of peace, privacy, and craftsmanship, created for those who value beauty in both structure and setting. Experience serenity and sophistication just minutes from Historic Shepherdstown, Harpers Ferry, Charles Town, and the Potomac River. This beautifully crafted residence showcases modern timber-frame architecture with a panoramic prow front, walls of glass, and vaulted ceilings that flood the great room with natural light while framing mountain and woodland views. Constructed with premium kiln-dried Western red cedar, the home combines classic elegance with comfortable livability. Inside, pine ceilings, white oak flooring, recessed lighting, and Corian countertops create a warm and inviting atmosphere throughout. The property features a private well and septic system, a 500-gallon buried propane tank that conveys, and a 2015 heat pump upgrade for year-round efficiency. Offering both privacy and convenience, the home is within easy reach of MARC train stations in Duffields, Harpers Ferry, and Brunswick,making commutes to the DC and Baltimore areas effortless. The land is graced by mature hardwoods, spring blooming dogwoods, and abundant wildlife, creating a peaceful, park-like setting that feels like a personal retreat. Covenants allow for domestic animals and select livestock such as horses, cattle, camelids, and poultry with proper containment, while swine are not permitted. With subdivision potential for two five-acre parcels, this property presents a rare opportunity to own a private sanctuary surrounded by nature yet close to everything Shepherdstown has to offer. 105 Rabbits Rest Lane is more than a home, it’s a retreat for the soul, offering space, beauty, and enduring peace in one of West Virginia’s most sought-after locations.
#WVJF2020174

SHEPHERDSTOWN

105 RABBITS REST LANE

3 Beds

2 Baths

2,500 Sq.Ft.

$975,000

MLS#: WVJF2020174

Welcome to Luxury Living at 5521 Hawk Ridge Road! This is the one you’ve been waiting for! Nestled in the prestigious Tallyn Ridge community, this stunning Rowan model by Drees Homes blends timeless elegance with modern comfort. Featuring 5 bedrooms and 5 full baths, this home offers exceptional space, style, and sophistication for every member of the family. Step inside and be greeted by rich dark flooring, elegant crown molding, and wainscoting that set the tone for the craftsmanship throughout the main level. The heart of the home is the gourmet, open-concept kitchen, showcasing a striking espresso island with a farmhouse sink, custom pendant lighting, and plenty of seating for family and guests. The white cabinetry, gray and white tile backsplash, and high-end stainless steel appliances—including a 5-burner gas cooktop, hood, double oven, built-in microwave, and French-door refrigerator—create the perfect setting for both cooking and entertaining. From the eat-in kitchen, step out onto the spacious Trex deck overlooking the serene wooded backdrop. Enjoy outdoor gatherings on the stone patio below, complete with a retaining wall and play area for children. Upstairs, retreat to the luxurious primary suite with a sitting area and spa-like bath featuring a soaking tub, dual vanities, and an oversized two-person shower. His & Her walk in closets with built-in organizers complete this private oasis. Three additional bedrooms—all with custom walk in closet organizers, share a Jack & Jill bath and an additional hall bath. The convenient upper-level laundry room includes a sink and washer/dryer. The fully finished walk-out lower level adds even more versatility, featuring a home office or guest suite with an attached full bath, a spacious recreation and game area, and a playroom that walks out to the backyard patio. Enjoy all the amenities of the Tallyn Ridge community, including a swimming pool, clubhouse, tot lots, and walking trails that connect directly to Pinecliff Park—where you’ll find ballfields, picnic areas, a boat ramp on the Monocacy River, and scenic nature trails. Ideally located just minutes from downtown Frederick, major commuter routes, and within the sought-after Oakdale School District, this home perfectly combines luxury, convenience, and tranquility. Don’t miss the chance to make 5521 Hawk Ridge Road your dream home!
#MDFR2073240

FREDERICK

5521 HAWK RIDGE ROAD

5 Beds

5 Baths

5,266 Sq.Ft.

$950,000

MLS#: MDFR2073240

Nestled up in the hills of northern Allegany County is this charming custom country home sits on over 63 acres of western Maryland beauty in Ellerslie. This property is being sold "AS IS", and is the perfect opportunity for a buyer to open their canvas and run in whatever direction their heart desires. The home was built in 1996 and was a complete custom build with over 5,000 total sq. ft. including the basement. The house is fully furnished with everything being negotiable with the sale of the property. Included with the sale of the property is one large 50'x100' steel insulated building, one barn with 6 stables, water, and electric, horse riding ring, and plenty of fencing for your animals. There is also a tenant house on the property currently being fixed up that could be used as rental income, storage, or whatever you decide. Enjoy some fishing in the 4 acre pond that sits behind the house, or enjoy Wills Creek that runs along the easterly boundary of the property. If you prefer a little luxury, relax by the in-ground pool, and enjoy the ammenities of the full kitchen and bathroom in the pool house and outdoor bar. This property boasts so much opportunity including the approximate 10 acres of pasture that can be used livestock or converted back to farmland. There are several pieces of equipment on the property, 4-wheelers, ATV's, and farm equipment that can be for sale. Enjoy great hunting right in your backyard, as several deer where seen, while a nice flock of turkeys call it home. Enjoy the peace and quiet all while being 15 minutes from Cumberland, MD, Pennsylvania, and interstate 68. This is a one-of-a-kind property for the area, nothing like it, and with a little TLC, you will have a gem up in the mountains. SELLER FINANCING PREFERRED WITH 25% DOWN!, inquire for details.
#MDAL2012602

ELLERSLIE

13900 SCHELLSBURG ROAD

4 Beds

2 Baths

3,784 Sq.Ft.

$949,000

MLS#: MDAL2012602

Discover unparalleled privacy and potential on this extraordinary 76-acre estate, featuring a beautifully crafted 4,000+ sq ft residence, designed for comfort, functionality, and timeless elegance. Nestled amidst the Appalachian foothills, this 4-bedroom, 3 bath home offers a perfect blend of rural tranquility and high-end living. Inside, the expansive floor plan boasts soaring ceilings, generous living spaces, and panoramic views of the surrounding countryside. The gourmet kitchen is a chef’s dream, with premium appliances, granite countertops, custom cabinetry, and a large island for entertaining. The spacious primary suite includes a spa-like granite bathtub and walk in closet while three additional bedrooms offer plenty of room for family or guests. Step outside and enjoy the perfect setting for gatherings or quiet evenings on the patio, complete with a built-in grill station—ideal for outdoor entertaining. A 2-car attached garage adds everyday convenience and extra storage Outdoors, the possibilities are endless. In addition to the pristine acreage—ideal for farming, hunting, or recreational use—the property includes a large outbuilding for tractor and equipment storage, and a separate 2,400+ sq ft blacksmith/metalworking/woodshop. Whether you’re a hobbyist, craftsman, or artisan, this estate has the infrastructure to support your passions. Located just minutes from Rocky Gap Resort, downtown Cumberland, Western MD scenic railroad and the historic C&O Canal, with convenient access to major highways this property offers both seclusion and accessibility.
#MDAL2012220

FLINTSTONE

13200 CROSSOVER ROAD NE

4 Beds

2 Baths

4,719 Sq.Ft.

$890,000

MLS#: MDAL2012220

5703 Guilford Garden Terrace bathes in natural light from sunrise to sunset and seamlessly blends comfort, style, and functionality. This is the most popular floorplan in the Preserve at Long Branch by D.R. Horton, offering over 4,800 sq. ft. of beautifully finished living space. Step inside to discover 5 bedrooms and 5 full bathrooms, including a rare main-level guest suite with a luxury full bath—perfect for multigenerational living or visiting guests. Enjoy morning sunrises from the deck or kitchen and unwind under star-lit evening skies. The main level features durable luxury vinyl plank flooring, upgraded modern lighting, and an inviting open-concept layout. The gourmet kitchen is a chef’s dream, boasting stainless steel appliances, quartz countertops, an upgraded backsplash, and a spacious island ideal for meal prep and entertainment. A dining room, a bright family room, a walkout to the expansive composite deck with solar lighting, and a 2-car garage complete this level. Throughout the home, the owners have added thoughtful upgrades and smart-home features, including premium lighting, updated ceiling fans, and custom closet organizers. Upstairs, the expansive primary suite includes a sitting area, a spa-like en-suite bath, and a generous walk-in closet. Two additional bedrooms, a full bath, an upper-level loft/family room, and a convenient laundry room complete the second floor. The walk-out lower level is an entertainer’s paradise, showcasing a spacious recreation room, a custom built-in electric fireplace with lighted shelving and TV mount, a bedroom with full luxury bath, abundant storage, and access to the custom stone patio with a retaining wall, white vinyl fencing, and stunning landscaping. A water softener is also included. Located in the highly sought-after Oakdale School District, this home offers easy access to major commuting routes, shopping, restaurants, and Historic Downtown Frederick. Don’t miss your chance to make this breathtaking home yours!
#MDFR2073450

FREDERICK

5703 GUILFORD GARDEN TERRACE

5 Beds

4 Baths

3,812 Sq.Ft.

$850,000

MLS#: MDFR2073450

Welcome to Elevated Living in Kellerton! This beautifully designed Covington model offers the perfect blend of charm, space, and modern functionality in one of Frederick’s most desirable communities. From the moment you arrive, the inviting front porch sets the tone—ideal for relaxing mornings or evening chats with neighbors. Inside, a sunlit two-story foyer opens to a versatile home office, featuring a gorgeous arched bay window that floods the space with natural light. A full bath just steps away adds flexibility for hosting guests or creating a private suite. The heart of the home is the open-concept main living area, where style and comfort meet. The spacious dining area flows effortlessly into the gourmet kitchen, complete with modern cabinetry, a large center island, stainless steel appliances, and quartz countertops—perfect for entertaining or casual family meals. Upstairs, the luxurious primary suite offers a peaceful retreat with tray ceilings, a walk-in closet, and a spa-inspired ensuite bath. Additional bedrooms are generously sized, and a convenient upper-level laundry room makes daily chores a breeze. Outside, enjoy the beautifully landscaped yard and all the perks of Kellerton living—community parks, walking trails, and picturesque mountain views just minutes from downtown Frederick, shopping, and commuter routes.
#MDFR2070060

FREDERICK

1710 TROTTER STREET

5 Beds

4 Baths

4,396 Sq.Ft.

$760,000

MLS#: MDFR2070060

Location is everything, and this home delivers. Enjoy the freedom of NO HOA while being just steps away from a beautiful Middletown Park, perfect for morning strolls, picnics, or easy access to green space. This home is designed for living and entertaining! An open kitchen and living area with hardwood floors throughout the main level. The fenced rear yard, with deck, provides privacy and space for pets or play. Downstairs, the finished basement with a built-in bar is the ultimate entertaining zone. It's priced perfectly for you to come in and add your finishing touches, transforming it into the modern space you've always envisioned. Imagine the joy of welcoming the new year from your new home!
#MDFR2074056

MIDDLETOWN

204 ROD CIRCLE

4 Beds

3 Baths

3,978 Sq.Ft.

$747,900

MLS#: MDFR2074056

Update***** Special Financing Incentive****** Ask about our exclusive Payment Affordability Program, buyers who choose to finance with the seller’s preferred lender may be eligible for up to a 2% credit! This credit can be applied toward closing costs or used to buy down your interest rate, potentially saving you hundreds per month. ***Financing must be arranged through the preferred lender. Contact us today for full details! Exceptional Energy-Efficient Home with Paid-Off Solar – Built for the Future! Built in 2021, this nearly 2,400 sq. ft. modern 3-bedroom, 2.5-bath home blends cutting-edge sustainability with luxurious comfort. Featuring a state-of-the-art solar panel system with 36 panels and a backup battery, this home delivers true energy independence—and the solar system will be 100% paid off at closing, offering immediate savings and long-term value. Even better, the solar company pays homeowners on average for excess energy production, helping offset your utility costs. Designed with efficiency and innovation in mind, this property also includes: Ultra-filtration septic and well system, Advanced water filtration and purification system, Custom window coverings, Security system, Leaf filter gutter guards, Surround sound wiring, High-speed Starlink internet, Eco-friendly septic system, Spacious outdoor shed for additional storage The full, unfinished basement offers endless potential to create additional living space, a home gym, office, or entertainment area—tailored to your lifestyle. Move-in ready and loaded with premium upgrades, this home is perfect for those who value sustainability, technology, and room to grow. Don’t miss this opportunity to own a modern, energy-efficient haven designed for today and built for tomorrow!
#VACL2006194

BERRYVILLE

1150 LEWISVILLE ROAD

3 Beds

2 Baths

N/A

$635,000

MLS#: VACL2006194

HIGH TRAFFIC, HIGH VISABILITY! Boasts of 8 units with total of 3,219 square foot Commercial & residential space for sale. Handicap Accessibility, Paved Parking, Signage on National Hwy, Surrounded by other booming businesses (Bank, Retail, Medical, Service, and more.) Space consists of Outdoor Sports, Crafts, Dance, 3 vacancies plus 3 residential units. The possibilities are endless here!! Make your appointment today!
#MDAL2009654

CUMBERLAND

1068 NATIONAL HIGHWAY

None Beds

None Baths

13,072 Sq.Ft.

$600,000

MLS#: MDAL2009654

Post and beam A frame and fieldstone log cabin home in Hancock minutes from Route 70 , 68 and 65 with views that go on and on. With floor to ceiling windows in all directions, this sundrenched home is for the nature lover and outdoorsy buyer. On over 10 acres, with an expansive trex maintenance free deck and screened in porch, you'll watch birds, deer, turkeys and more all from the comfort of your home. The garage houses a workshop area and an oversized 2-3 car garage with deep bays and 2 large doors. There is an additional storage shed outside just above the start of the walking trails that saunter down through your own personal forest. Back in the house - The bedrooms are ensuite and spaciously appointed with a walk in closet and additional storage. The granite kitchen and island are highlighted by in cabinet lighting, natural sunlight in all directions and a lovely breakfast peninsula. Open to the large 2 story family room and sitting area, a stunning staircase reaches additional sleeping space on the 2nd floor with a study/office/sitting nook for all of your favorite hobbies. The laundry chute for the main house is easily accessed and laundry lands right in the lower level laundry space, steps from the kitchen island. On the lower level, a walkout basement is featured with a propane warm stove to make for delightful ambience. A half bath finishes off the lovely space and it's thoughtfully plumbed for a future full bath. Beyond the finished space is a very large tool bench, shelves and storage and all of the utilities to include an electronic air cleaner and dare I say, gorgeous and organized plumbing and heating. The apartment is accessed from the exterior steps allowing the tenant or family member to have their own access. Warm and spacious by design, the one bedroom one bathroom apartment offers an open great room and a stackable laundry with a warm propane stove to create cozy ambience. This area is special with close proximity to the C and O canal, the PA line, the WV line and parks galore - there is so much to do and the scenery is purely delightful!
#MDWA2033238

HANCOCK

14013 MAPLE RIDGE

3 Beds

3 Baths

2,220 Sq.Ft.

$589,999

MLS#: MDWA2033238

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