Charlotte Savoy
The KW Collective
(667) 771-4326
670 Total Sales
10 in Oakland
$6K - $775K Price Range
104 Roman Ridge Rd Unit 21 Oakland, MD 21550
Oakland Area
5
Beds
4.5
Baths
2,582
Sq Ft
1
Acre Lot
Highlights
- Lake View
- Chalet
- Loft
- Open Floorplan
- Vaulted Ceiling
- 2 Fireplaces
About This Home
As of August 2026Waves & Moguls- Mountain living meets lake lifestyle in this beautifully appointed 5-bedroom, 4.5-bath condominium home. Privately nestled on a quiet hillside cul-de-sac, this fully furnished, turn-key retreat offers three levels of thoughtfully designed living space with two stone fireplaces and views of Deep Creek Lake. The spacious floor plan features two private primary suites, generous guest accommodations, a finished walk-out lower level with a recreation room, and a charming crows nest loft. Outdoor living is equally inviting with an expansive upper deck with lake views, a private lower patio, and a hot tub overlooking the surrounding landscape. New roof installed in June of 2026. Whether you're seeking a luxury vacation home, an income-producing investment, or a year-round residence, this exceptional property offers the perfect blend of comfort, style, and convenience just minutes from marinas, dining, shopping, Wisp Resort, and endless four-season recreation.
Last Agent to Sell the Property
(301) 387-2000 askipper@railey.com Railey Realty, Inc. Brokerage Phone: 3013872000 License #5014767 Listed on: 07/10/2026
Co-Listed By
(301) 387-2000 kelsey@railey.com Railey Realty, Inc. Brokerage Phone: 3013872000
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Home Details
Home Type
- Single Family
Est. Annual Taxes
- $5,024
Year Built
- Built in 2003
Lot Details
- Cul-De-Sac
HOA Fees
- $340 Monthly HOA Fees
Parking
- Off-Street Parking
Property Views
- Lake
- Woods
- Mountain
Home Design
- Chalet
- Contemporary Architecture
- Permanent Foundation
- Frame Construction
- Shingle Roof
Interior Spaces
- Property has 3 Levels
- Open Floorplan
- Furnished
- Vaulted Ceiling
- Ceiling Fan
- 2 Fireplaces
- Fireplace With Glass Doors
- Fireplace Mantel
- Gas Fireplace
- Entrance Foyer
- Family Room
- Living Room
- Dining Room
- Loft
- Utility Room
- Stacked Washer and Dryer
- Carpet
Kitchen
- Microwave
- Dishwasher
- Disposal
Bedrooms and Bathrooms
Schools
- Southern Middle School
- Southern Garrett High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Powered By Owned Propane
- Electric Water Heater
Community Details
- Association fees include road maintenance, snow removal, trash
- Roman Ridge Subdivision
- Property Manager
Listing and Financial Details
- Property is used as a vacation rental
- Tax Lot 21
- Assessor Parcel Number 1218056445
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Aug 2, 2024
Closed on
Oct 18, 2024
Sold by
Horwitz Jeffrey David Preston and Horwitz Melissa
Bought by
Seller's Agent
Jon Bell
Railey Realty, Inc.
Buyer's Agent
Amy Skipper
Railey Realty, Inc.
List Price
$559,900
Sold Price
$550,000
Premium/Discount to List
-$9,900
-1.77%
Views
26
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-4.73%
Purchase Details
Closed on
Aug 12, 2020
Sold by
Panek John J and Panek Cheryl J
Bought by
Horwitz Jeffrey David Preston and Horwitz Melissa Preston
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$336,000
Interest Rate
3%
Mortgage Type
New Conventional
Purchase Details
Closed on
Mar 27, 2009
Sold by
Panek John J
Bought by
Panek Johnj & Cheryl Trstees and Panek Living Trust
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$271,700
Interest Rate
5.06%
Mortgage Type
Unknown
Purchase Details
Closed on
Jan 29, 2009
Sold by
104 Roman Ridge Llc
Bought by
Panek John J
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$271,700
Interest Rate
5.06%
Mortgage Type
Unknown
Purchase Details
Closed on
Mar 30, 2007
Sold by
Panek John J
Bought by
104 Roman Ridge Llc
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$270,000
Interest Rate
6.23%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Mar 10, 2007
Sold by
Panek Peter J
Bought by
Panek John J
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$270,000
Interest Rate
6.23%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Feb 12, 2007
Sold by
Cross William V and Cross Katherine B
Bought by
Panek Peter J
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$270,000
Interest Rate
6.23%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
May 15, 2003
Sold by
Sprenger & Lang Residential Prop
Bought by
Cross William V and Cross Katherine B
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Oakland, MD
-
Charlotte Savoy
-
Nick Fratz-Orr
Nick Fratz-Orr
Railey Realty, Inc.
(301) 859-7507
472 Total Sales
115 in Oakland
$3K - $2.3M Price Range
-
Jordan Anderson
Jordan Anderson
Better Homes & Gardens Real Estate Old Line Group
(814) 310-4607
221 Total Sales
2 in Oakland
$300K - $685K Price Range
-
Ali Haghgoo
Ali Haghgoo
EXP Realty, LLC
(410) 999-0791
405 Total Sales
1 in Oakland
$30,000 Price
-
Roberta McNamara
Roberta McNamara
RE/MAX Results
(410) 862-3981
83 Total Sales
4 in Oakland
$111K - $838K Price Range
-
Brian Homberg
Brian Homberg
Taylor-Made Deep Creek Real Estate, LLC
(240) 226-2521
42 Total Sales
13 in Oakland
$16K - $2.1M Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $550,000 | Deep Creek Title | |
| Deed | $420,000 | Deep Creek Title Group | |
| Deed | -- | -- | |
| Deed | -- | -- | |
| Deed | -- | -- | |
| Deed | -- | -- | |
| Deed | $507,500 | -- | |
| Deed | $341,965 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Previous Owner | $336,000 | New Conventional | |
| Previous Owner | $255,000 | Stand Alone Second | |
| Previous Owner | $271,700 | Unknown | |
| Previous Owner | $270,000 | Purchase Money Mortgage |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 08/24/2026 08/24/26 | Sold | $599,000 | -1.0% | $232 / Sq Ft | |
| 07/10/2026 07/10/26 | For Sale | $605,000 | +10.0% | $234 / Sq Ft | |
| 10/18/2024 10/18/24 | Sold | $550,000 | -1.8% | $213 / Sq Ft | View Prior Sale |
| 08/18/2024 08/18/24 | Pending | -- | -- | -- | |
| 08/02/2024 08/02/24 | For Sale | $559,900 | -- | $217 / Sq Ft |
Source: Bright MLS
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2026 | $5,884 | $466,267 | $0 | $0 |
| 2025 | $5,690 | $443,800 | $75,000 | $368,800 |
| 2024 | $5,489 | $413,333 | $0 | $0 |
| 2023 | $5,123 | $382,867 | $0 | $0 |
| 2022 | $4,750 | $352,400 | $75,000 | $277,400 |
| 2020 | $4,529 | $333,533 | $0 | $0 |
| 2019 | $4,401 | $324,100 | $75,000 | $249,100 |
| 2018 | $4,187 | $324,100 | $75,000 | $249,100 |
| 2017 | $4,647 | $324,100 | $0 | $0 |
| 2016 | -- | $328,300 | $0 | $0 |
| 2015 | -- | $328,300 | $0 | $0 |
| 2014 | -- | $328,300 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Amy Skipper
AS
Seller's Agent in 2026
Amy Skipper
Railey Realty, Inc.
(301) 501-1532
26 Total Sales
-
Kelsey Meyers
Seller Co-Listing Agent in 2026
Kelsey Meyers
Railey Realty, Inc.
(814) 279-8338
89 Total Sales
-
Charlotte Savoy
Buyer's Agent in 2026
Charlotte Savoy
The KW Collective
(443) 858-2723
670 Total Sales
-
Jon Bell
Seller's Agent in 2024
Jon Bell
Railey Realty, Inc.
(301) 501-0735
569 Total Sales
-
Mike Fenton
Seller Co-Listing Agent in 2024
Mike Fenton
Railey Realty, Inc.
(484) 716-7228
184 Total Sales
Map
Source: Bright MLS
MLS Number: MDGA2012268
APN: 18-056445
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The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
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Property information displayed is deemed reliable but is not guaranteed.
Copyright 2026 Bright MLS, Inc.
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