Seller's Agent in 2025
Mike Kennedy
Railey Realty, Inc.
(301) 616-6106
252 Total Sales
85 Windy Cove Rd Swanton, MD 21561
4
Beds
2
Baths
1,508
Sq Ft
0.57
Acres
Highlights
- 100 Feet of Waterfront
- Fishing Allowed
- Open Floorplan
- 1 Dock Slip
- Panoramic View
- Deck
About This Home
As of September 2025Premium lakefront in a Premium Location! If you are looking for prime lake-frontage this is a must see. Located on a peaceful cove with level lakefront, a private Type A boat dock, and expansive lake views, the 4 bedroom 2 bath cottage with detached 2-car garage offers a convenient location, expansive views from almost every room and great water depth. Newly renovated bathrooms, bedrooms, and recreation areas.
Situated in the heart of Deep Creek Lake, this property is truly close to everything: 1 mile to Deep Creek Lake State Park, 2 miles to Deep Creeks best restaurants, 2.5 miles to Garrett Cinemas and Arrowhead Market, 3.7 miles to marinas, 8 miles to Wisp Resort, easy access by water to the Deep Creek Yacht Club, 6 miles to Thousand Acres Golf Club and about 10 miles to Lodestone Golf Course and attractions like Swallow Falls and Herrington Manor State Parks. The property also offers easy access to I-68 and Corridor H.
The location on the lake is ideal for all outdoor activities, including Boating, Sailing, Kayaking, Water Skiing, Tubing, and Surfing. The property comes with a Type A dock which allows 2 power boats and a third vessel like a WaveRunner or sailboat.
This charming cottage includes a main level primary suite, an updated kitchen with granite counters and stainless steel appliances, large spaces for entertainment, 2 full bathrooms, a separate dining room, central A/C, public sewer (avoiding the construction restrictions imposed by septic systems), and 100 feet of level lake frontage. The coveted southern exposure offers all day sun to the dock, yard, firepit, and lakeside deck. Two-car garage. Level outdoor parking area ideal for all weather conditions. Large building envelope for expansion of existing cottage or future rebuild. Minimal restrictions. No HOA fees. Holds a TVRU rental license for 4 bedrooms, 12-person occupancy.
Properties with this location, accessibility, level lake frontage, and capacity for expansion afforded by public sewer are a rare find. Schedule your appointment today!
Last Agent to Sell the Property
(301) 616-6106 mkennedy@railey.com Railey Realty, Inc. License #529372 Listed on: 05/15/2025
Last Buyer's Agent
(301) 616-5022 betsy@deepcreeksales.com Taylor Made Deep Creek Vacations & Sales License #518606
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $7,866
Year Built
- Built in 1974 | Remodeled in 2025
Lot Details
- 0.57 Acre Lot
- 100 Feet of Waterfront
- Home fronts navigable water
- No Through Street
- Premium Lot
- Level Lot
- Open Lot
- Back and Front Yard
- Property is in excellent condition
- Property is zoned LR, Lake Residential
Parking
- 2 Car Detached Garage
- Parking Storage or Cabinetry
- Front Facing Garage
- Garage Door Opener
- Gravel Driveway
Property Views
- Lake
- Panoramic
Home Design
- Cottage
- Block Foundation
- Wood Walls
- Frame Construction
- Shingle Roof
Interior Spaces
- Property has 2.5 Levels
- Open Floorplan
- Beamed Ceilings
- Wood Ceilings
- Vaulted Ceiling
- Ceiling Fan
- Casement Windows
- Sliding Doors
- Dining Area
Kitchen
- Electric Oven or Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
Flooring
- Carpet
- Luxury Vinyl Tile
Bedrooms and Bathrooms
- En-Suite Bathroom
- 2 Full Bathrooms
Laundry
- Laundry on main level
- Dryer
- Washer
Unfinished Basement
- Connecting Stairway
- Exterior Basement Entry
Outdoor Features
- Canoe or Kayak Water Access
- Property is near a lake
- Personal Watercraft
- Waterski or Wakeboard
- Swimming Allowed
- 1 Dock Slip
- Physical Dock Slip Conveys
- 3 Powered Boats Permitted
- 1 Non-Powered Boats Permitted
- Deck
- Porch
Utilities
- Forced Air Heating and Cooling System
- Heat Pump System
- Well
- Electric Water Heater
Listing and Financial Details
- Tax Lot 489
- Assessor Parcel Number 1218007037
Community Details
Overview
- No Home Owners Association
- Beckman's Peninsula Subdivision
Recreation
- Fishing Allowed
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
May 15, 2025
Closed on
Sep 18, 2025
Sold by
Pascal George James and Pascal Teresa S
Bought by
Muck Michael A and Muck Rosemary
Seller's Agent
Mike Kennedy
Railey Realty, Inc.
Buyer's Agent
Betsy Spiker Holcomb
Taylor Made Deep Creek Vacations & Sales
List Price
$1,579,000
Sold Price
$1,499,990
Premium/Discount to List
-$79,010
-5%
Views
87
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
27.81%
Purchase Details
Closed on
May 2, 2025
Sold by
Pascal George James and Pascal Teresa S
Bought by
Pascal George James and Pascal Teresa S
Purchase Details
Listed on
Sep 8, 2023
Closed on
Oct 18, 2023
Sold by
Krugh James W and Krugh Marlene E
Bought by
Pascal George James and Pascal Teresa S
Seller's Agent
Mike Kennedy
Railey Realty, Inc.
Buyer's Agent
Bill Weissgerber
Railey Realty, Inc.
List Price
$1,249,000
Sold Price
$1,407,750
Premium/Discount to List
$158,750
12.71%
Views
13
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.26%
Original Mortgage
$1,125,800
Interest Rate
6.38%
Mortgage Type
New Conventional
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $1,499,990 | Lake Title | |
| Deed | -- | None Listed On Document | |
| Deed | -- | None Listed On Document | |
| Deed | $1,407,750 | Deep Creek Title | |
| Deed | $1,407,750 | Deep Creek Title |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Previous Owner | $1,125,800 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 09/19/2025 09/19/25 | Sold | $1,499,990 | -2.5% | $995 / Sq Ft | |
| 07/29/2025 07/29/25 | Price Changed | $1,539,000 | -2.5% | $1,021 / Sq Ft | |
| 05/15/2025 05/15/25 | For Sale | $1,579,000 | +12.2% | $1,047 / Sq Ft | |
| 10/20/2023 10/20/23 | Sold | $1,407,750 | +12.7% | $934 / Sq Ft | View Prior Sale |
| 09/09/2023 09/09/23 | Pending | -- | -- | -- | |
| 09/08/2023 09/08/23 | For Sale | $1,249,000 | -- | $828 / Sq Ft |
Source: Bright MLS
Tax History Compared to Growth
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 | $8,830 | $747,000 | $433,000 | $314,000 |
| 2024 | $8,270 | $673,467 | $0 | $0 |
| 2023 | $7,427 | $599,933 | $0 | $0 |
| 2022 | $6,569 | $526,400 | $376,800 | $149,600 |
| 2021 | $6,586 | $523,567 | $0 | $0 |
| 2020 | $6,551 | $520,733 | $0 | $0 |
| 2019 | $6,515 | $517,900 | $376,800 | $141,100 |
| 2018 | $6,173 | $517,900 | $376,800 | $141,100 |
| 2017 | $6,121 | $517,900 | $0 | $0 |
| 2016 | -- | $520,200 | $0 | $0 |
| 2015 | -- | $520,200 | $0 | $0 |
| 2014 | -- | $520,200 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Mike Kennedy
-
Betsy Spiker Holcomb
Buyer's Agent in 2025
Betsy Spiker Holcomb
Taylor Made Deep Creek Vacations & Sales
(301) 616-5022
395 Total Sales
-
Bill Weissgerber
Buyer's Agent in 2023
Bill Weissgerber
Railey Realty, Inc.
(301) 616-4141
209 Total Sales
Map
Source: Bright MLS
MLS Number: MDGA2009482
APN: 18-007037
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