Lexi Howard

495 White Oak Drive

Swanton, MD
$ 775,000 Beds 3 Baths 2 Sq 2,448
Monthly Estimate* How much can I afford?

Uncover the charm and rustic elegance of this lake access retreat, nestled in the serene area of Beckmans Peninsula. This barely used contemporary cottage sits up high on a dead-end road with seasonal, filtered lake views. The 20 of lakefront and Type A dock across the street is shared with the neighbor and provides great access to Deep Creek Lake in a wonderful cove. Boasting a beautiful kitchen with poured concrete countertops, luxury vinyl flooring, two fireplaces and a great loft area. The open floorplan is ideal for entertaining family and friends. The exterior area is very well thought out, offering two covered decks, a hot tub, and a gazebo. With .72 acres and two lots, there is ample space for kids and pets to play outdoors. The location is also just 3 miles to the DCL State Park, and 10 minutes to Wisp Ski Resort. Call today to preview this great home!

ACTIVE

  • Price
  • $ 775,000
  • City
  • Swanton
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • GARRETT
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.72 Acres
  • Zip
  • 21561
  • Sqr Footage
  • 2,448
  • Year Built
  • 2017
  • Taxes
  • $ 4094
  • Style
  • Contemporary
  • MLS#
  • MDGA2010280
Listed By: Elizabeth S Spiker Holcomb with Taylor-Made Deep Creek Sales - 3013874700;
Data Source: Bright MLS

Features

General

Living Area 2448
Sewer Public Sewer
Heating Forced Air
Cooling Central A/C
Possession Settlement
Roof Shingle
Appliances Dishwasher,Dryer,Microwave,Oven/Range - Electric,Refrigerator,Washer
Zoning R
Patio/Porch Features Patio(s),Deck(s)
Architectural Style Contemporary
Construction Materials Frame
School District GARRETT COUNTY PUBLIC SCHOOLS
Year Built 2017
View Mountain,Water
Levels 2
Tax Year 2024
Ownership Fee Simple
Cool Fuel Electric
Accessibility None
Additional Parcels Description 11761 SQ FT,LOT 21 BECKMAN TR,Map 59/Parcel 217,Liber 02676/ Folio 00446
County GARRETT
New Construction No
Property Type Residential
HOA No
Subdivision Name WHITE OAK
Garage Y/N No
Water Access Y/N Yes
Other Structures Above Grade,Below Grade
Full Baths 2
Status ACTIVE
Directions Garrett Highway South to left on Glendale,right on Beckmans Peninsula road,left on White Oak drive,home is on the left.
City SWANTON
Body of Water Deep Creek Lake
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 31363.20
Tax Assessed Value 398800.0
Tax Annual Amount 4094.0
Home Warranty Y/N No
Property Condition Excellent
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 1
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 316.58
Additional Parcels Y/N Yes
Vacation Rental Y/N No
Total SQFT 2448
Standard Status Active
Year Built Source Estimated

Interior Features

Interior Amenities Entry Level Bedroom,Floor Plan - Open
Heating Fuel Propane - Leased
Flooring Ceramic Tile,Carpet,Luxury Vinyl Tile
Total Fireplaces 2
Fireplace Features Stone
Hot Water Electric
Basement (Y/N) No
Heating Y/N Yes
Window Features Wood Frame
Fireplace Y/N Yes
Above Grade Finished Area 2448
Central Air Y/N Yes
Total Bedrooms 3
Room Type Living Room,Bedroom 2,Bedroom 3,Kitchen,Bedroom 1,Great Room
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Assessor
Laundry Type Main Floor
Below Grade Unfin Area Units Square Feet
Below Grade Unfin SQFT Source Assessor
Below Grade Finished Area Source Assessor
Bedrooms Count All Upper Levels 2
Bedrooms Count Upper Level 1 2
Bathrooms Full Upper Level 1 1
Bathrooms Full All Upper Levels 1
Bathrooms Count Upper Level 1 1.00
Bathrooms Count All Upper Levels 1
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 2

Exterior Features

Exterior Amenities Hot Tub
Pool No Pool
Lot Features Backs to Trees
Water Source Well
Type of Parking Driveway
Land Use Code R
Foundation Details Crawl Space
Water View Y/N Yes
Lot Size Acres 0.72
Water Body Type Lake
Lot Size Source Estimated
Waterfront Y/N No
Door Features Six Panel,Sliding Glass
Water Access Features Boat - Powered,Canoe/Kayak,Fishing Allowed,Limited hours of Personal Watercraft Operation (PWC),Sail,Swimming Allowed,Waterski/Wakeboard
Number of Docks 1
Land Assessed Value 101200.00
Navigable Water Y/N Yes
Number of Slips 1
Water Oriented Y/N Yes
Dock/Slip Conveys YN Yes
Dock Type and Features Shared Slip,Type A

Room Details

Bedroom 1 Main Flooring - Carpet
Bedroom 2 Upper 1 Flooring - Luxury Vinyl Tile
Bedroom 3 Upper 1 Flooring - Luxury Vinyl Tile,Fireplace - Electric
Great Room Main Flooring - Luxury Vinyl Tile,Fireplace - Gas
Kitchen Main Flooring - Luxury Vinyl Tile
Living Room Main Flooring - Luxury Vinyl Tile,Fireplace - Wood Burning

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Bel Air, MD office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

8/25/2025 Listed $999,000
10/31/2025 13% - $875,000
3/20/2026 6% - $825,000
7/31/2026 7% - $775,000

Property vs Zip Code Average in 21561

Price
AVG $1.14M
$780K
Taxes
AVG $7,302
$4,094
Year Built
AVG 1994
2017
Visits
AVG 500
1945
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

495 White Oak Drive Swanton, MD is a Single Family Home for sale at $775000 with 2448 sqft and a lot size of 0.72 Acres Acre(s). 495 White Oak Drive Swanton has 3 bedrooms, 2 baths and was built in 2017. The property's zip code is 21561 which is in Swanton, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Lexi Howard

Lexi Howard

443-417-5603

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