2021 Volvo XC40 Momentum

Listed by an independent dealer in Hagerstown, MD · On lot for 131 days · VIN verifiable at NHTSA

This used 2021 Volvo XC40 Momentum is listed at $22,288 by vip member encore auto in Hagerstown, MD 21740. It has 33,754 miles on the odometer (dealer-reported, not independently verified by OAV). The exterior color is Black. It features a FWD drivetrain with a 2.0L I4 engine and Automatic transmission.

OAV's independent, evidence-backed Price-to-Market analysis rates this vehicle as Unscored. OAV found too few sufficiently similar vehicles nearby to support a confident price verdict, so it withholds one rather than guessing.

This vehicle has been on the lot for 131 days.

Analysis powered by OAV's patented inventory standardization technology (U.S. Patent No. 12,236,477). Verdict methodology ptm-verdict-v1 · snapshot Sep 16, 2026. The patented comparable band is the input; ptm-verdict-v1 is the versioned OAV rule set that turns it into this verdict.

Market context

This listing is part of OAV's broader Hagerstown, MD suvs market analysis. OAV compares vehicles by local and regional price-to-market ranges and comparable count; days-on-lot and demand signals are shown separately, not as verdict inputs.

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How this deal is rated

OAV compares this 2021 Volvo XC40 against similar vehicles currently available for sale — same make, model, and year range, using trim where the data supports it. OAV does not adjust comparable prices for mileage; on used vehicles it withholds a verdict when mileage would distort the comparison — very high or unreliable mileage, or a lower price better explained by higher-than-typical mileage than by a genuine market discount — rather than overstate a deal. Based on where this listing falls in that comparable set, it is rated:

• Great Deal — priced below the comparable-range floor by a meaningful margin (OAV's minimum-gap rule); a listing below the floor by less than that margin is Fair Price.
• Fair Price — priced within the expected range for comparable vehicles.
• Overpriced — priced above the typical range for comparable vehicles.

Listings show OAV's PTM-derived deal quality and live market context. OAV-claimed dealers manage their listing profile and route buyer inquiries directly. Paid OAV partners can surface additional verification signals, but commercial participation never changes a listing's Price-to-Market verdict, eligibility, ranking, or confidence.

How this listing is verified

This vehicle listing was aggregated from an independent dealer in Hagerstown, MD, one of 57,000+ U.S. dealerships in OAV's nationwide inventory network.The VIN YV4AC2HK5M2582018 can be independently verified via the U.S. Department of Transportation's NHTSA VIN decoder, and safety recalls at NHTSA's recall database.

Vehicle attributes (year, make, model, trim, mileage, location) are standardized using OAV's patented methodology (U.S. Patent No. 12,236,477), which normalizes naming conventions and deduplicates cross-listed inventory across the dealership network. Listing data is processed daily; Price-to-Market analysis uses comparable vehicles.

2021 Volvo XC40 Market in MD

Based on all 47 2019-2023 Volvo XC40 listings in the MD market. Because OAV has not assigned a reliable price verdict to this listing, it does not state how it compares to this broader average. Similar vehicles spend an average of 64 days on dealer lots in this market.

Similar Volvo XC40 Listings in MD

8 similar listings shown (closest matches within ±2 model years) and ±30,000 miles (subject trim: Momentum — compare trims below)

This is a broad, statewide same-model set (any trim, mileage, or title) — not the qualified comparable cohort behind the verdict above; lower prices here typically reflect a different trim, higher mileage, or a branded title.