$1,695,000
COMING SOON MAY 27, 2026

185 Ruta Ln Swanton, MD 21561

Estimated payment $10,329/month

4 Beds
3.5 Baths
3,290 Sq Ft
3.54 Acres Lot

Highlights

  • 409 Feet of Waterfront
  • Spa
  • Panoramic View
  • 1 Dock Slip
  • Fishing Allowed
  • Open Floorplan

About This Home

Be Wisp'd Away...
To your own wooded, lakefront hideaway — tucked into one of Deep Creek Lake's most tranquil coves, at the end of a private lane, bordered on multiple sides by protected state land that can never be developed. This is not just a lake house. It is a feeling. Every room, every detail, every view has been designed to inspire comfort and joy in a setting of cozy luxury that brings the outdoors in.
THE PROPERTY
Set on 3.54 private acres with direct lake frontage, an assigned boat slip, sweeping sunset views, and miles of private wooded trails — Wisp'd Away is a rare Deep Creek offering, as beautiful to look at as it is to live in.
• Assigned boat slip and shared dock — easy, level lake access via maintained private path • Western exposure for unforgettable sunset evenings over the water • Private trails for hiking, mountain biking, snowshoeing, and woodland exploration • Tranquil cove — one of Deep Creek's best for paddleboarding, kayaking, and canoeing
THE HOME
Recently renovated and luxuriously furnished with a modern rustic aesthetic — 4-bedroom, 3.5-bath, three finished levels, sleeps 12. Open floor plan with lake or wooded views from virtually every window. Impeccably appointed, completely turnkey.
Main Level — The heart of the home is a dramatic living room anchored by a floor-to-ceiling stone wood-burning fireplace and an abundance of windows framing panoramic lake views. Local artisan furnishings bring understated luxury — equally suited to a roaring fire with a glass of wine as to a lively family gathering.
The updated open kitchen and dining area seats 12, with a large center island, exotic stone counters, double sinks, stainless appliances, and an oversized walk-in pantry.
The main-level primary suite offers water views, a walk-in closet, jetted soaking tub, and tiled shower.
Step outside to the refinished lakeside deck — the ideal setting for morning coffee, evening sunsets, or simply doing nothing at all.
Upper Level — Two oversized guest bedrooms, full bath with skylight, and a dedicated office loft with dual 27" HD monitors and 1Gb internet.
• Queen bedroom with large closet and smart TV • Triple bunk beds with slides and a kids' playhouse below — the kids will never want to leave
Lower Level — Radiant heated tile floors throughout, opening to the lakeside patio and hot tub.
• Family room with 70" smart TV, cloud couch, air hockey, darts — movie nights have never looked better • Second fireplace and mini kitchenette (Keurig, mini fridge, microwave, sink, blender bar) • Private billiards room with 7-ft pool table, live-edge drink rail, beverage fridge • King guest suite with walk-in closet, crib, and full tiled bath
The lakeside patio invites you to the newer WiFi-enabled 8-person jacuzzi, surrounded by Adirondack chairs, a porch swing, and loungers — all overlooking the water.
OUTSIDE
• Large lakeside yard with firepit, Creative Playthings playset, and room to roam • Multiple gathering spaces — upper dining deck, lower walkout patio, lakeside jacuzzi platform • Two gas grills, sledding hill, Level 2 Tesla EV charger, storage shed • Driveway with stone retaining wall designed for hosting
ON THE WATER
Paddle the length of Savage Cove to explore its wetland refuge — ducks, turtles, herons — or take the boat slip straight out for wakeboarding, tubing, sailing, and sun-soaked afternoons on the main lake.
20 minutes to downtown McHenry and Wisp Resort — all the adventure of Deep Creek, none of the noise.
THE INVESTMENT
Whether you're seeking a private family retreat, a luxury second home, or a proven vacation rental investment, Wisp'd Away delivers — established, successful Airbnb history grossing $100K/year.
Opportunities like this — a lakefront retreat of this size, privacy, and caliber — rarely come to market at Deep Creek Lake.

Listing Agent

Mike Kennedy

(301) 387-2000 mkennedy@railey.com Railey Realty, Inc. Brokerage Phone: 3013872000 License #529372 Listed on: 05/23/2026

Railey Realty, Inc.

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $13,876

Year Built

  • Built in 2004

Lot Details

  • 3.54 Acre Lot
  • 409 Feet of Waterfront
  • Home fronts navigable water
  • Year Round Access
  • No Through Street
  • Private Lot
  • Secluded Lot
  • Backs to Trees or Woods
  • Front and Side Yard
  • Buy-down
  • Property is in excellent condition
  • Property is zoned LR, Lake Residential

Property Views

  • Lake
  • Panoramic
  • Mountain

Home Design

  • Cabin
  • Block Foundation
  • Shingle Roof
  • Stone Siding
  • HardiePlank Type

Interior Spaces

  • Property has 3 Levels
  • Open Floorplan
  • Wet Bar
  • Vaulted Ceiling
  • Ceiling Fan
  • Skylights
  • Recessed Lighting
  • 2 Fireplaces
  • Wood Burning Fireplace
  • Stone Fireplace
  • Fireplace Mantel
  • Gas Fireplace
  • Wood Frame Window
  • Entrance Foyer
  • Family Room
  • Living Room
  • Dining Room
  • Loft
  • Game Room

Kitchen

  • Gas Oven or Range
  • Built-In Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Kitchen Island
  • Upgraded Countertops

Flooring

  • Wood
  • Carpet
  • Ceramic Tile
  • Luxury Vinyl Plank Tile

Bedrooms and Bathrooms

  • En-Suite Bathroom
  • Whirlpool Bathtub
  • Hydromassage or Jetted Bathtub
  • Walk-in Shower

Laundry

  • Laundry on lower level
  • Dryer
  • Washer

Finished Basement

  • Heated Basement
  • Walk-Out Basement
  • Connecting Stairway
  • Interior Basement Entry
  • Basement Windows

Parking

  • 6 Parking Spaces
  • 6 Driveway Spaces
  • Electric Vehicle Home Charger
  • Gravel Driveway

Outdoor Features

  • Spa
  • Canoe or Kayak Water Access
  • Property is near a lake
  • Personal Watercraft
  • Physical Dock Slip Conveys
  • 1 Dock Slip
  • Shared Waterfront
  • 1 Powered Boats Permitted
  • Deck
  • Play Equipment
  • Porch

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Powered By Leased Propane
  • Radiant Heating System
  • Well
  • Electric Water Heater
  • Septic Less Than The Number Of Bedrooms
  • Septic Permit Issued

Listing and Financial Details

  • Coming Soon on 5/27/26
  • Tax Lot 1
  • Assessor Parcel Number 1218068052

Community Details

Overview

  • No Home Owners Association
  • Hickory Ridge Subdivision
  • Property is near a preserve or public land

Recreation

  • 1 Community Docks
  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$13,876

Year Built

Built in 2004

Lot Details

3.54 Acres

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Cabin/Lodge
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Expected On Market: 5/27/2026 12:00:00 AM
  • Federal Flood Zone: No
  • Year Built: 2004
  • Special Features: 4128
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Dishwasher, Dryer, Oven/Range - Gas, Refrigerator, Stainless Steel Appliances, Washer
  • Flooring Type: Carpet, Ceramic Tile, Luxury Vinyl Plank, Wood
  • Interior Amenities: Bathroom - Jetted Tub, Bathroom - Walk-In Shower, Carpet, Ceiling Fan(s), Dining Area, Entry Level Bedroom, Floor Plan - Open, Kitchen - Island, Pantry, Primary Bath(s), Recessed Lighting, Skylight(s), Upgraded Countertops, Wet/Dry Bar, Whirlpool/Hottub
  • Window Features: Wood Frame
  • Fireplace Features: Mantel(s), Stone, Wood, Gas/Propane
  • Fireplaces Count: 2
  • Fireplace: Yes
  • Wall Ceiling Types: Dry Wall, Vaulted Ceilings
  • Foundation Details: Block
  • Levels Count: 3
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Game Room, Family Room, Foyer, Loft, Bathroom 2, Bathroom 3, Primary Bathroom, Half Bath
  • Basement: Yes
  • Basement Type: Walkout Level, Fully Finished, Heated, Improved, Windows, Interior Access, Connecting Stairway
  • Laundry Type: Lower Floor
  • Total Sq Ft: 3290
  • Living Area Sq Ft: 3290
  • Price Per Sq Ft: 887.43
  • Above Grade Finished Sq Ft: 1910
  • Below Grade Finished Sq Ft: 1380
  • Total Below Grade Sq Ft: 1380
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

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

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Hardiplank Type, Stone
  • Exterior Features: Hot Tub, Play Equipment
  • Roof: Shingle
  • View: Lake, Water, Panoramic, Mountain
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC)
  • Water Access: Yes
  • Water Body Name: Deep Creek Lake
  • Water Body Type: Lake
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Water View: Yes
  • Water Frontage In Feet: 409

Garage/Parking

  • Garage: No
  • Parking Features: Gravel Driveway
  • Total Garage And Parking Spaces: 6
  • Type Of Parking: Driveway
  • Number of Spaces in Driveway: 6

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Heating Fuel: Propane - Leased
  • Heating Type: Forced Air, Radiant
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Septic Permit Issued, Septic < # Of Br
  • Water Source: Well
  • Internet Services: Cable

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA: No
  • Senior Community: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Additional Parcels: Yes
  • Additional Parcels Description: Buy-down
  • Lot Features: Adjoins - Public Land, Backs To Trees, Front Yard, No Thru Street, Private, Sideyard(s), Secluded, Year Round Access
  • Lot Size Acres: 3.54
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 154344.00
  • Outdoor Living Structures: Deck(s), Porch(es)
  • Property Condition: Excellent
  • Zoning: LR
  • Zoning Description: Lake Residential
  • In City Limits: No

Rental Info

  • Vacation Rental: Yes

Tax Info

  • Tax Annual Amount: 13876.00
  • Assessor Parcel Number: 1218068052
  • Tax Lot: 1
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

Multi Family

  • Waterfront Features: Shared

MLS Schools

  • School District Name: GARRETT COUNTY PUBLIC SCHOOLS

Map

Range of Values:

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Value Increase
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Adjusted for Inflation
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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 $13,906 $1,225,800 $173,900 $1,051,900
2024 $12,046 $1,028,767 $0 $0
2023 $9,745 $831,733 $0 $0
2022 $7,443 $634,700 $157,700 $477,000
2020 $5,998 $513,500 $0 $0
2019 $5,320 $452,900 $157,700 $295,200
2018 $5,021 $452,900 $157,700 $295,200
2017 $5,098 $452,900 $0 $0
2016 -- $462,000 $0 $0
2015 -- $462,000 $0 $0
2014 -- $462,000 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
06/17/2022 06/17/22 Sold $1,150,000 +15.0% $403 / Sq Ft View Prior Sale
04/22/2022 04/22/22 Pending -- -- --
04/19/2022 04/19/22 For Sale $999,900 +52.7% $350 / Sq Ft
05/31/2019 05/31/19 Sold $655,000 -2.1% $230 / Sq Ft View Prior Sale
04/06/2019 04/06/19 Price Changed $669,000 -2.3% $234 / Sq Ft
12/08/2018 12/08/18 For Sale $685,000 +4.6% $240 / Sq Ft
12/07/2018 12/07/18 Off Market $655,000 -- --
06/26/2012 06/26/12 Sold $557,800 -2.1% $272 / Sq Ft View Prior Sale
04/30/2012 04/30/12 Pending -- -- --
04/02/2012 04/02/12 For Sale $570,000 -- $278 / Sq Ft
Source: Bright MLS

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 -- --
Deed $1,150,000 Deep Creek Title
Deed $655,000 Deep Creek Title Group
Deed -- Deep Creek Title Group Llc
Deed $557,800 None Available
Deed $83,000 --
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 $920,000 New Conventional
Previous Owner $524,000 New Conventional
Previous Owner $501,964 New Conventional
Previous Owner $501,964 New Conventional
Closed -- No Value Available
Source: Public Records

Source: Bright MLS

MLS Number: MDGA2011880

Bright MLS

APN: 18-068052

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