For Sale225d on market
495 White Oak Dr
Swanton, MD, 21561 • 21561 • Garrett County
$825,000
$337/sqft
-$50,000 since Mar 20, 2026
Down payment assistance available
3Beds
2Baths
2,448Sqft
0.46 acLot
2017Built
Property DNA
On the Deep Creek Lake
Boat - Powered, Canoe/Kayak, Fishing Allowed, Limited hours of Personal Watercraft Operation (PWC), Sail, Swimming Allowed, Waterski/Wakeboard, Lake
Scenic Views
Mountain(s) · Water
Contemporary Style
Built 2017 · 9 years of history
White Oak
21561
Outdoor Living
Patio · Deck
2 Fireplaces
Stone
Special Features
Above Grade · Below Grade
Ceramic Tile Floors
Quality flooring throughout
This home is getting attention
Listed 225 days ago · 926 views · 36 saves
Market activity
Demand and pricing signals for this listing
926 views
People checking out this listing
36 saves
Buyers have saved this home
225 days on market
Established listing
$337/sqft
Price per square foot
About this home
Single Family · Built 2017
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, hot tub and a gazebo. 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!
Standout features identified
Our analysis highlights contemporary cottage, two fireplaces, and great loft area as key attractions of this home.
Estimated monthly payment
Based on current rates
$5,109/month
Principal & Interest$4,009
Property Tax$825
Insurance$275
Down payment20% ($165,000)
3%50%
Est. 6.12% rate · 30yr fixed · $660,000 loan
Full calculator →At a glance
Key facts and listing details
TypeSingle Family Residence
Year Built2017
HeatingForced Air, Propane
CoolingCentral Air, Electric
ParkingOpen Parking
Lot0.46 Acres
Days on Zillow225 Days
Price/sqft$337
Property
Home typeSingle Family
Sub-typeSingle Family Residence
StyleContemporary
ConditionExcellent
Year built2017
Stories2
Systems
HeatingForced Air, Propane
CoolingCentral Air, Electric
RoofShingle
ConstructionFrame
Water / SewerWell / Public Sewer
Parking & Outdoor
ParkingDriveway
Fireplaces2
Lot0.46 Acres
Location & Tax
Neighborhood21561
ZoningR
Annual tax$4,094
Parcel18007436
Bathrooms & Fees
Full baths2
Features & details
16 categories of property features
Interior Features
Interior
Entry Level Bedroom
Open Floorplan
Dry Wall
Wood Ceilings
Wood Walls
Appliances
Dishwasher
Dryer
Microwave
Oven/Range - Electric
Refrigerator
Washer
Electric Water Heater
Flooring
Ceramic Tile
Carpet
Luxury Vinyl
Heating
Forced Air
Propane
Cooling
Central Air
Electric
Laundry
Main Level
Fireplace
Stone
Windows
Wood Frames
Accessibility
None
Exterior Features
Parking
Driveway
Construction
Frame
Patio & Porch
Patio
Deck
Lot Features
Backs to Trees
Views
Mountain(s)
Water
Pool Features
None
Other Structures
Above Grade
Below Grade
Room details
6 rooms detailed
Bedroom1
Main22×17 ft374 sqft
Flooring - Carpet
Bedroom2
Upper11×9 ft99 sqft
Flooring - Luxury Vinyl Tile
Bedroom3
Upper20×19 ft380 sqft
Flooring - Luxury Vinyl TileFireplace - Electric
Great Room
Main22×18 ft396 sqft
Flooring - Luxury Vinyl TileFireplace - Gas
Kitchen
Main19×10 ft190 sqft
Flooring - Luxury Vinyl Tile
Living Room
Main21×12 ft252 sqft
Flooring - Luxury Vinyl TileFireplace - Wood Burning
Listing insights
Market data and value estimates
StatusFor Sale
Days on market225
Est. value$790,600
Est. rent$2,443/mo
Tax rate0.83%
Price/sqft$337
On marketAug 25, 2025
PostedAug 25, 2025
Last sold$150,000
MLS updatedMar 20, 2026
Tour days9
Views926
Favorites36
How are the schools in Swanton?
3 schools rated nearby
Location
Swanton, MD, 21561
Price history
10 events
DateEventPrice$/sqftSource
Mar 20, 2026Price Change$825,000$337Bright MLS
Oct 31, 2025Price Change$875,000$357Bright MLS
Aug 25, 2025Price Change$999,000$408Bright MLS
Jul 7, 2025Price Change$1,050,000$429Owner
May 21, 2025Price Change$1,150,000$470Owner
Apr 30, 2025Listed For Sale$1,250,000$511Owner
Apr 6, 2016Sold$150,000$61Public Record
Jan 10, 2016Price Change$175,000$71Long & Foster Real Estate, Inc.
Aug 22, 2015Listed For Sale$200,000$82Long & Foster Real Estate, Inc.
Jan 4, 2000Sold$85,000$35Public Record
Price Change$825,000
Mar 20, 2026•$337/sqft•Bright MLS
Price Change$875,000
Oct 31, 2025•$357/sqft•Bright MLS
Price Change$999,000
Aug 25, 2025•$408/sqft•Bright MLS
Price Change$1,050,000
Jul 7, 2025•$429/sqft•Owner
Price Change$1,150,000
May 21, 2025•$470/sqft•Owner
Listed For Sale$1,250,000
Apr 30, 2025•$511/sqft•Owner
Sold$150,000
Apr 6, 2016•$61/sqft•Public Record
Price Change$175,000
Jan 10, 2016•$71/sqft•Long & Foster Real Estate, Inc.
Listed For Sale$200,000
Aug 22, 2015•$82/sqft•Long & Foster Real Estate, Inc.
Sold$85,000
Jan 4, 2000•$35/sqft•Public Record
Tax history
23 years of records
YearTax paidAssessed value
Apr 8, 2025$4,714$398,800
Apr 8, 2024$4,094$350,533
Apr 8, 2023$3,530$302,267
Apr 8, 2022$2,967$254,000
Apr 8, 2021$2,562$219,367
Apr 8, 2020$2,158$184,733
Apr 8, 2019$1,753$150,100
Apr 8, 2018$1,621$147,100
Apr 8, 2017$1,654$150,100
Apr 8, 2016—$141,100
Apr 8, 2015—$141,100
Apr 8, 2014—$141,100
Apr 8, 2012—$170,800
Apr 8, 2010—$174,080
Apr 8, 2009—$154,492
Apr 8, 2008—$134,906
Apr 8, 2007—$115,320
Apr 8, 2006—$103,032
Apr 8, 2005—$90,746
Apr 8, 2004—$78,460
Apr 8, 2003—$78,030
Apr 8, 2002—$77,600
Apr 8, 2001—$77,170
Nearby homes
Neighborhood details
Local context around this listing
Swanton, MD • Garrett County
Nearby cities
AccidentBartonBittingerFriendsvilleFrostburgGrantsvilleLonaconingMc Henry
Nearby zip codes
215232156121562
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