$1,500,000
SOLD SEP 10, 2026

85 Windy Cove Rd Swanton, MD 21561

3 Beds
2 Baths
1,508 Sq Ft
0.57 Acre Lot

Sale Details

Date Sold: September 10, 2026

$995 Per Sq Ft

9% Below List Price

56 Days on Market

Highlights

  • 100 Feet of Waterfront
  • Fishing Allowed
  • Contemporary Architecture
  • 2 Dock Slips
  • Deck
  • Cathedral Ceiling

About This Home

As of September 2026

Experience exceptional lakefront living with 100 feet of pristine shoreline and breathtaking lake views from nearly every room. This stunning waterfront home is designed to maximize its incredible setting, offering a level lakefront lot which boasts a firepit, making an ideal place to enjoy family and friends. Wake up to sparkling water views, relax on spacious outdoor living areas, and enjoy direct access to the lake from your private Type A dock. Whether you're seeking a year-round residence or the perfect waterfront retreat, this property delivers an unparalleled lakeside lifestyle in a truly spectacular setting.

Last Agent to Sell the Property

Betsy Spiker Holcomb

(301) 387-4700 terah@deepcreeksales.com Taylor-Made Deep Creek Real Estate, LLC Brokerage Phone: 3013874700 License #518606 Listed on: 06/17/2026

Last Buyer's Agent

Bill Weissgerber

(301) 387-2000 billw@railey.com Railey Realty, Inc.

Railey Realty, Inc.

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Sold Price
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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $8,456

Year Built

  • Built in 1974

Lot Details

  • 24,892 Sq Ft Lot
  • 100 Feet of Waterfront
  • Home fronts navigable water
  • Landscaped
  • Level Lot
  • Property is in very good condition

Parking

  • 2 Car Detached Garage
  • Front Facing Garage
  • Driveway

Property Views

  • Water
  • Mountain

Home Design

  • Contemporary Architecture
  • Block Foundation
  • Wood Walls
  • Frame Construction
  • Shingle Roof

Interior Spaces

  • Property has 2.5 Levels
  • Cathedral Ceiling
  • Sliding Doors
  • Family Room
  • Living Room
  • Dining Room
  • Loft
  • Basement
  • Connecting Stairway

Kitchen

  • Electric Oven or Range
  • Dishwasher

Flooring

  • Carpet
  • Laminate
  • Vinyl

Bedrooms and Bathrooms

  • 3 Main Level Bedrooms
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Laundry on main level
  • Dryer
  • Washer

Outdoor Features

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

Utilities

  • Central Air
  • Heat Pump System
  • Well
  • Electric Water Heater

Listing and Financial Details

  • Assessor Parcel Number 1218007037

Community Details

Overview

  • No Home Owners Association
  • Beckmans Peninsula Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$8,456

Year Built

Built in 1974

Lot Details

0.57 Acres

Parking

2

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Contemporary
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Main
  • Year Built: 1974
  • Automatically Close On Close Date: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Dryer, Oven/Range - Electric, Refrigerator, Washer
  • Flooring Type: Laminated, Vinyl, Carpet
  • Interior Amenities: Dining Area, Entry Level Bedroom
  • Fireplace: No
  • Door Features: Sliding Glass
  • Wall Ceiling Types: Dry Wall, Cathedral Ceilings, Wood Walls
  • Foundation Details: Block
  • Levels Count: 2.5
  • Room List: Living Room, Dining Room, Bedroom 2, Bedroom 3, Kitchen, Family Room, Bedroom 1, Laundry, Loft
  • Basement: Yes
  • Basement Type: Connecting Stairway
  • Laundry Type: Main Floor
  • Total Sq Ft: 1892
  • Living Area Sq Ft: 1508
  • Price Per Sq Ft: 1093.50
  • Above Grade Finished Sq Ft: 1508
  • Below Grade Sq Ft: 384
  • Total Below Grade Sq Ft: 384
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 3
  • Main Level Bedrooms: 3
  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Main Level Bathrooms: 2.00
  • Main Level Full Bathrooms: 2

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Frame
  • Roof: Shingle
  • View: Mountain, Water
  • 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: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Water View: Yes
  • Water Frontage In Feet: 100

Garage/Parking

  • Garage Spaces: 2.00
  • Garage: Yes
  • Garage Features: Garage - Front Entry
  • Number Of Detached Garage Spaces: 2
  • Total Garage And Parking Spaces: 2
  • Type Of Parking: Detached Garage, Driveway

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Heating Fuel: Electric
  • Heating Type: Heat Pump(s)
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Public Sewer
  • Water Source: Well

Condo/Co-op/Association

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

Schools

  • School District Source: Listing Agent

Lot Info

  • Additional Parcels: No
  • Lot Features: Landscaping, Level
  • Lot Size Acres: 0.57
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 24892.00
  • Outdoor Living Structures: Deck(s)
  • Property Condition: Very Good
  • Zoning: R
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 8456.00
  • Assessor Parcel Number: 1218007037
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

Multi Family

  • Waterfront Features: Private Dock Site

MLS Schools

  • School District Name: GARRETT COUNTY PUBLIC SCHOOLS

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
May 15, 2025
Closed on
Sep 18, 2025
Sold by
Pascal George James and Pascal Teresa S
Bought by
Seller's Agent
Mike Kennedy
Railey Realty, Inc.
Buyer's Agent
Betsy Spiker Holcomb
Taylor-Made Deep Creek Real Estate, LLC
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
8.33%

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
5.04%
Original Mortgage
$1,125,800
Interest Rate
6.38%
Mortgage Type
New Conventional
Source: Public Records

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 $1,499,990 Lake Title
Deed -- None Listed On Document
Deed $1,407,750 Deep Creek Title
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 $1,125,800 New Conventional
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
09/10/2026 09/10/26 Sold $1,500,000 -9.0% $995 / Sq Ft
06/17/2026 06/17/26 For Sale $1,649,000 +9.9% $1,094 / Sq Ft
09/19/2025 09/19/25 Sold $1,499,990 -2.5% $995 / Sq Ft View Prior Sale
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

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 $10,097 $868,933 $0 $0
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

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Map

Source: Bright MLS

MLS Number: MDGA2012160

Bright MLS

APN: 18-007037

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