$375,000
SOLD AUG 15, 2025

57 Whispering Way Swanton, MD 21561

2 Beds
1 Bath
988 Sq Ft
8,712 Sq Ft Lot

Recently Sold

$380 Per Sq Ft

6% Below List Price

14 Days on Market

Highlights

  • 1 Dock Slip
  • Canoe or Kayak Water Access
  • Deck
  • Home fronts navigable water
  • Fishing Allowed
  • Cathedral Ceiling

About This Home

As of August 2025

If you are looking for a cozy and quaint cottage that offers lake access, lake views, and a dock slip, this is it! This home offers two bedrooms, an open floorplan, a small loft area for additional sleeping, a stone propane fireplace and luxury vinyl tile flooring. The level yard and nice deck make for great spaces to entertain family and friends, and the storage shed in the back is convenient for your water toys. Your dock slip is just a short walk away, allowing you to enjoy all that Deep Creek Lake has to offer. Call today to preview!

Last Agent to Sell the Property

Betsy Spiker Holcomb

(301) 616-5022 betsy@deepcreeksales.com Taylor Made Deep Creek Vacations & Sales License #518606 Listed on: 05/09/2025

Last Buyer's Agent

Jon Bell

(301) 501-0735 jbell@railey.com Railey Realty, Inc.

Railey Realty, Inc.

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,646

Year Built

  • Built in 1955

Lot Details

  • 8,712 Sq Ft Lot
  • Home fronts navigable water
  • Level Lot
  • Cleared Lot
  • Property is in excellent condition

Parking

  • Driveway

Home Design

  • Cottage
  • Frame Construction
  • Shingle Roof

Interior Spaces

  • 988 Sq Ft Home
  • Property has 1 Level
  • Wood Ceilings
  • Cathedral Ceiling
  • 1 Fireplace
  • Wood Frame Window
  • Living Room
  • Bonus Room
  • Vinyl Flooring
  • Crawl Space
  • Laundry on main level

Kitchen

  • Electric Oven or Range
  • Dishwasher

Bedrooms and Bathrooms

  • 2 Main Level Bedrooms
  • 1 Full Bathroom

Outdoor Features

  • Canoe or Kayak Water Access
  • Property is near a lake
  • Waterski or Wakeboard
  • Sail
  • Limited Hours Of Personal Watercraft Operation
  • Swimming Allowed
  • Physical Dock Slip Conveys
  • 1 Dock Slip
  • 1 Powered Boats Permitted
  • Deck

Utilities

  • Central Air
  • Electric Baseboard Heater
  • Shared Well
  • Electric Water Heater
  • Septic Less Than The Number Of Bedrooms
  • Septic Tank

Listing and Financial Details

  • Assessor Parcel Number 1218005107

Community Details

Overview

  • No Home Owners Association
  • Swanton Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,646

Year Built

Built in 1955

Lot Details

0

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Cottage
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Main
  • Year Built: 1955
  • Automatically Close On Close Date: No
  • Remarks Public: If you are looking for a cozy and quaint cottage that offers lake access, lake views, and a dock slip, this is it! This home offers two bedrooms, an open floorplan, a small loft area for additional sleeping, a stone propane fireplace and luxury vinyl tile flooring. The level yard and nice deck make for great spaces to entertain family and friends, and the storage shed in the back is convenient for your water toys. Your dock slip is just a short walk away, allowing you to enjoy all that Deep Creek Lake has to offer. Call today to preview!
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Oven/Range - Electric, Refrigerator
  • Flooring Type: Vinyl
  • Window Features: Wood Frame
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Wall Ceiling Types: Dry Wall, Cathedral Ceilings, Wood Ceilings
  • Foundation Details: Crawl Space
  • Levels Count: 1
  • Room List: Living Room, Bedroom 2, Kitchen, Bedroom 1, Bonus Room
  • Basement: No
  • Laundry Type: Main Floor
  • Total Sq Ft: 988
  • Living Area Sq Ft: 988
  • Price Per Sq Ft: 403.85
  • Above Grade Finished Sq Ft: 988
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 57

Beds/Baths

  • Bedrooms: 2
  • Main Level Bedrooms: 2
  • Total Bathrooms: 1
  • Full Bathrooms: 1
  • Main Level Bathrooms: 1.00
  • Main Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Frame
  • Roof: Shingle
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Limited Hours Of Personal Watercraft Operation (PWC), Sail, Swimming Allowed, Waterski/Wakeboard
  • Water Access: Yes
  • Water Body Name: Deep Creek Lake
  • Water Body Type: Lake
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Type Of Parking: Driveway

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Heating Fuel: Electric
  • Heating Type: Baseboard - Electric
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Septic Exists, Septic < # Of Br
  • Water Source: Well-Shared

Condo/Co-op/Association

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

Schools

  • School District: GARRETT COUNTY PUBLIC SCHOOLS
  • School District Key: 121139907558
  • School District Source: Listing Agent

Lot Info

  • Additional Parcels: No
  • Land Use Code: R
  • Lot Features: Cleared, Level
  • Lot Size Acres: 0.20
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 8712.00
  • Outdoor Living Structures: Deck(s)
  • Property Condition: Excellent
  • Year Assessed: 2025
  • Zoning: R
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 2646.00
  • Assessor Parcel Number: 1218005107
  • Tax Total Finished Sq Ft: 988
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024
  • Close Date: 08/15/2025

MLS Schools

  • School District Name: GARRETT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
May 9, 2025
Closed on
Aug 15, 2025
Sold by
Dowden Kristine Y and Bever Kathryn Y
Bought by
Schuster Henry and Latta Tiffany
Seller's Agent
Betsy Spiker Holcomb
Taylor Made Deep Creek Vacations & Sales
Buyer's Agent
Jon Bell
Railey Realty, Inc.
List Price
$399,000
Sold Price
$375,000
Premium/Discount to List
-$24,000
-6.02%
Views
53

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
54.00%
Original Mortgage
$350,000
Outstanding Balance
$349,660
Interest Rate
6.13%
Mortgage Type
New Conventional
Estimated Equity
$53,901

Purchase Details

Closed on
Dec 9, 2013
Sold by
Bever Daniel F and Bever Kathryn Y
Bought by
Bever Kristine Y

Purchase Details

Closed on
Dec 4, 2013
Sold by
Bever Daniel F
Bought by
Bever Daniel F and Bever Kathryn Y

Purchase Details

Closed on
Sep 9, 2013
Sold by
Bever Daniel F
Bought by
Bever Daniel F and Bever Kathryn Y

Purchase Details

Closed on
Sep 1, 1989
Sold by
Bever Ruth M
Bought by
Bever James M and Bever Joanna
Source: Public Records

Range of Values:

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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 $375,000 The Security Title Guarantee
Deed $375,000 The Security Title Guarantee
Interfamily Deed Transfer -- None Available
Interfamily Deed Transfer -- None Available
Interfamily Deed Transfer $83,000 None Available
Deed $20,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $350,000 New Conventional
Closed $350,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
08/15/2025 08/15/25 Sold $375,000 -6.0% $380 / Sq Ft
05/09/2025 05/09/25 For Sale $399,000 -- $404 / 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 $3,382 $296,100 $92,700 $203,400
2024 $2,676 $226,500 $0 $0
2023 $1,863 $156,900 $0 $0
2022 $1,050 $87,300 $10,800 $76,500
2021 $987 $81,900 $0 $0
2020 $924 $76,500 $0 $0
2019 $860 $71,100 $10,800 $60,300
2018 $813 $71,100 $10,800 $60,300
2017 $814 $71,100 $0 $0
2016 -- $74,300 $0 $0
2015 -- $72,067 $0 $0
2014 -- $69,833 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDGA2009340

Bright MLS

APN: 18-005107