$899,900
SOLD JUN 26, 2025

145 Lower Penn Point Dr Oakland, MD 21550

3 Beds
3.5 Baths
2,106 Sq Ft
0.27 Acres

Recently Sold

$427 Per Sq Ft

18% Below List Price

135 Days on Market

Highlights

  • 1 Dock Slip
  • Canoe or Kayak Water Access
  • Fishing Allowed
  • Home fronts navigable water
  • Spa
  • Lake View

About This Home

As of June 2025

**SPLIT LAKE FRONT** WITH TYPE A DOCK**Discover this stunning chalet-style home located in the coveted Penn Point subdivision at Deep Creek Lake. Luxury vinyl plank flooring through out, fresh paint, all new decking and railings, new pine tongue and groove through-out giving a warm lodge feel. The main floor is open concept, living, dining, kitchen and half bath, the upper level presents 2 bedroom, 2 bath with laundry, and two balconies to take in the lake views. The lower level features a huge bonus room, with a private bath, this flex space is set up with a desk area, living area and sleeping quarters, with double french doors to enjoy your lake view.
The main level features a cozy stone gas fireplace, creating the warm and inviting atmosphere you expect from a lakeside retreat. Natural light pours through expansive windows (all Andersen Windows), showcasing the surrounding scenery and bringing the outdoors in. The open-concept kitchen boasts stainless appliances, granite countertops, and a generous island—ideal for entertaining.
Outdoors, enjoy the large deck, hot tub and fire pit area—perfect for relaxing. This home offers a lake front area and includes a private Type A dock, just steps down the private road to enjoy boating, fishing, and swimming.
Whether you’re seeking a full-time residence or second home, this gem captures the essence of lake living at Deep Creek Lake. Nestled in the serene Penn Point community, you’ll love the peaceful surroundings while being just minutes away from local dining, shopping, and outdoor adventures. ADDITIONAL LOT INCLUDED --tan and red 1 car pole building (built by C&N Metals) perfect to house your lake toys, golf cart or side by side.

Last Agent to Sell the Property

Emillie Albrecht

(410) 218-3157 emillie@truadvantagerealty.com Real Broker, LLC License #5000953 Listed on: 12/30/2024

Last Buyer's Agent

Larry Smith

(301) 501-5564 lsmith@railey.com Railey Realty, Inc.

Railey Realty, Inc.

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,559

Year Built

  • Built in 2007

Lot Details

  • 0.27 Acre Lot
  • Home fronts navigable water
  • Stone Retaining Walls
  • Chain Link Fence
  • Landscaped
  • Extensive Hardscape
  • No Through Street
  • Back and Side Yard
  • Additional Land
  • Additional Parcels
  • Property is in excellent condition

HOA Fees

  • $10 Monthly HOA Fees

Home Design

  • Chalet
  • Block Foundation
  • Frame Construction
  • Architectural Shingle Roof

Interior Spaces

  • Property has 3 Levels
  • Open Floorplan
  • Ceiling Fan
  • Gas Fireplace
  • Double Hung Windows
  • Window Screens
  • French Doors
  • Family Room Off Kitchen
  • Living Room
  • Dining Area
  • Lake Views
  • Fire and Smoke Detector

Kitchen

  • Breakfast Area or Nook
  • Built-In Oven
  • Stove
  • Built-In Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Kitchen Island
  • Upgraded Countertops
  • Disposal

Flooring

  • Ceramic Tile
  • Luxury Vinyl Plank Tile

Bedrooms and Bathrooms

  • En-Suite Bathroom
  • Whirlpool Bathtub
  • Bathtub with Shower

Laundry

  • Laundry on upper level
  • Stacked Washer and Dryer

Finished Basement

  • Walk-Out Basement
  • Front and Side Basement Entry
  • Basement Windows

Parking

  • Driveway
  • Off-Street Parking

Eco-Friendly Details

  • Energy-Efficient Appliances

Outdoor Features

  • Spa
  • Canoe or Kayak Water Access
  • Property is near a lake
  • Personal Watercraft
  • Waterski or Wakeboard
  • Swimming Allowed
  • 1 Dock Slip
  • Physical Dock Slip Conveys
  • Dock made with Composite Material
  • 1 Powered Boats Permitted
  • Balcony
  • Deck
  • Exterior Lighting
  • Wood or Metal Shed

Schools

  • Southern Garrett High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Powered By Leased Propane
  • Vented Exhaust Fan
  • 200+ Amp Service
  • Water Treatment System
  • Well
  • Propane Water Heater
  • Water Conditioner is Owned
  • Septic Tank
  • Cable TV Available

Listing and Financial Details

  • Tax Lot 23
  • Assessor Parcel Number 1218025167

Community Details

Overview

  • Association fees include management, road maintenance
  • $2 Other Monthly Fees
  • Penn Point HOA
  • Penn Point Subdivision
  • Mountainous Community

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,559

Year Built

Built in 2007

Lot Details

0

HOA Fees

$10 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Chalet
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Expected On Market: 1/1/2025 12:00:00 AM
  • Year Built: 2007
  • Automatically Close On Close Date: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Dishwasher, Disposal, Dryer - Front Loading, Energy Efficient Appliances, Exhaust Fan, Oven - Wall, Refrigerator, Stainless Steel Appliances, Stove, Washer - Front Loading, Washer/Dryer Stacked, Water Conditioner - Owned, Water Heater
  • Flooring Type: Ceramic Tile, Luxury Vinyl Plank
  • Interior Amenities: Breakfast Area, Combination Dining/Living, Combination Kitchen/Living, Kitchen - Island, Floor Plan - Open, Ceiling Fan(s), Dining Area, Family Room Off Kitchen, Primary Bath(s), Bathroom - Tub Shower, Upgraded Countertops, Water Treat System, Whirlpool/Hottub, Window Treatments
  • Window Features: Screens, Double Hung
  • Fireplace Features: Gas/Propane
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Door Features: French
  • Wall Ceiling Types: Dry Wall
  • Foundation Details: Block
  • Levels Count: 3
  • Room List: Living Room, Primary Bedroom, Bedroom 2, Kitchen, Family Room, Bathroom 2, Bathroom 3, Primary Bathroom
  • Basement: Yes
  • Basement Type: Fully Finished, Front Entrance, Walkout Level, Windows, Side Entrance, Daylight, Full
  • Laundry Type: Upper Floor
  • Total Sq Ft: 2106
  • Living Area Sq Ft: 2106
  • Price Per Sq Ft: 640.95
  • Above Grade Finished Sq Ft: 1404
  • Below Grade Finished Sq Ft: 702
  • Total Below Grade Sq Ft: 702
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 3
  • All Lower Level Bedrooms: 1
  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 2
  • Lower Levels Bathrooms: 1
  • Upper Level Bathrooms: 2.00
  • Lower Levels Bathrooms: 1.00
  • Lower Level Full Bathrooms: 1
  • Main Level Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Wood/Metal Shed
  • Construction Materials: Frame
  • Exterior Features: Extensive Hardscape, Exterior Lighting, Hot Tub, Secure Storage, Stone Retaining Walls
  • Roof: Architectural Shingle
  • View: Lake
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Swimming Allowed, Waterski/Wakeboard
  • Water Access: Yes
  • Water Body Name: Deep Creek
  • Water Body Type: Lake
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: No
  • Water View: Yes

Garage/Parking

  • Garage: No
  • Type Of Parking: Driveway, Off Street

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Electric Service: 200+ Amp Service
  • Heating Fuel: Propane - Leased
  • Heating Type: Forced Air
  • Heating: Yes
  • Hot Water: Propane
  • Security: Main Entrance Lock, Smoke Detector
  • Sewer/Septic System: Septic Exists
  • Utilities: Cable Tv Available, Electric Available, Propane
  • Water Source: Well
  • Internet Services: Cable

Condo/Co-op/Association

  • HOA Fees: 125.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Condo Co-Op Fee Includes: Management, Road Maintenance
  • HOA Name: PENN POINT
  • HOA: Yes
  • Senior Community: No
  • Association Recreation Fee: No

Fee Information

  • Other Fees: 25.00
  • Other Fees Frequency: Annually

Schools

  • School District Source: Listing Agent
  • High School: SOUTHERN GARRETT HIGH

Lot Info

  • Additional Parcels: Yes
  • Fencing: Chain Link
  • Lot Features: Additional Lot(s), Landscaping, Mountainous, No Thru Street, Rear Yard, Road Frontage, Sideyard(s)
  • Lot Size Acres: 0.27
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 11761.00
  • Outdoor Living Structures: Balcony, Deck(s)
  • Property Condition: Excellent
  • Zoning: R
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Vacation Rental: No
  • Property Manager: No

Tax Info

  • Tax Annual Amount: 4559.00
  • Assessor Parcel Number: 1218025167
  • Tax Lot: 23
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024

MLS Schools

  • School District Name: GARRETT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Dec 30, 2024
Closed on
Jun 25, 2025
Sold by
Albrecht Emillie H and Albrecht James
Bought by
Kane Gerard and Kane Kathryn
Seller's Agent
Emillie Albrecht
Real Broker, LLC
Buyer's Agent
Larry Smith
Railey Realty, Inc.
List Price
$1,100,000
Sold Price
$899,900
Premium/Discount to List
-$200,100
-18.19%
Views
67
Current Estimated Value
$904,965

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$5,065
Avg. Annual Appreciation
1.06%

Purchase Details

Listed on
Aug 27, 2021
Closed on
Sep 21, 2021
Sold by
Sam Stacey Lynn
Bought by
Albrecht Emillie H and Albrecht James
Seller's Agent
Bill Weissgerber
Railey Realty, Inc.
Buyer's Agent
Emillie Albrecht
Real of Pennsylvania
List Price
$700,000
Sold Price
$700,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.93%
Original Mortgage
$548,250
Interest Rate
2.8%
Mortgage Type
New Conventional

Purchase Details

Listed on
May 5, 2017
Closed on
Aug 4, 2017
Sold by
Scott Keith Edward and Scott Katleyn
Bought by
Samii Stacey Lynn
Seller's Agent
Bill Weissgerber
Railey Realty, Inc.
Buyer's Agent
Bill Weissgerber
Railey Realty, Inc.
List Price
$399,000
Sold Price
$400,000
Premium/Discount to List
$1,000
0.25%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
14.44%

Purchase Details

Listed on
Mar 2, 2015
Closed on
Apr 30, 2015
Sold by
Swift Bruce T
Bought by
Scott Keith Edward and Kitts Katelyn Elizabeth
Seller's Agent
Bill Weissgerber
Railey Realty, Inc.
Buyer's Agent
Bill Weissgerber
Railey Realty, Inc.
List Price
$379,000
Sold Price
$330,000
Premium/Discount to List
-$49,000
-12.93%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.84%
Original Mortgage
$335,775
Interest Rate
3.69%
Mortgage Type
New Conventional

Purchase Details

Closed on
Aug 22, 2005
Sold by
Pacenta Carolyn D
Bought by
Swift Bruce T

Purchase Details

Closed on
Aug 9, 1994
Sold by
Kolding Byron L
Bought by
Pacenta Carolyn D

Purchase Details

Closed on
Jun 16, 1992
Sold by
Capo Frank W and Capo Mary A
Bought by
Kolding Byron L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$168,800
Interest Rate
8.54%
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Deed $899,900 The Security Title Guarantee
Deed $899,900 The Security Title Guarantee
Deed $700,000 None Available
Deed $400,000 Deep Creek Title Group
Deed $330,000 Deep Creek Title Group
Deed $69,000 --
Deed -- --
Deed $185,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $548,250 New Conventional
Previous Owner $335,775 New Conventional
Previous Owner $168,800 No Value Available
Closed -- No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
06/26/2025 06/26/25 Sold $899,900 0.0% $427 / Sq Ft
05/14/2025 05/14/25 Pending -- -- --
05/05/2025 05/05/25 Price Changed $899,900 -5.0% $427 / Sq Ft
03/23/2025 03/23/25 Price Changed $947,000 -5.1% $450 / Sq Ft
02/06/2025 02/06/25 Price Changed $997,900 -9.3% $474 / Sq Ft
12/30/2024 12/30/24 For Sale $1,100,000 +57.1% $522 / Sq Ft
09/27/2021 09/27/21 Sold $700,000 0.0% $385 / Sq Ft View Prior Sale
08/27/2021 08/27/21 For Sale $700,000 +75.0% $385 / Sq Ft
08/04/2017 08/04/17 Sold $400,000 +0.3% $280 / Sq Ft View Prior Sale
06/29/2017 06/29/17 Pending -- -- --
05/05/2017 05/05/17 For Sale $399,000 +20.9% $279 / Sq Ft
04/30/2015 04/30/15 Sold $330,000 -12.9% $231 / Sq Ft View Prior Sale
03/02/2015 03/02/15 Pending -- -- --
03/02/2015 03/02/15 For Sale $379,000 -- $265 / Sq Ft
Source: Bright MLS

Tax History Compared to Growth

Source: Public Records

Tax History

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
2025 $5,364 $471,200 $95,000 $376,200
2024 $4,589 $390,300 $0 $0
2023 $3,644 $309,400 $0 $0
2022 $2,699 $228,500 $25,000 $203,500
2021 $2,665 $225,567 $0 $0
2020 $2,600 $222,633 $0 $0
2019 $2,596 $219,700 $25,000 $194,700
2018 $2,451 $219,700 $25,000 $194,700
2017 $2,555 $219,700 $0 $0
2016 -- $230,200 $0 $0
2015 -- $230,200 $0 $0
2014 -- $230,200 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDGA2008610

Bright MLS

APN: 18-025167