Seller's Agent in 2025
Russell Bounds
Railey Realty, Inc.
(301) 501-1000
85 Total Sales
870 Holy Cross Dr Oakland, MD 21550
7
Beds
6.5
Baths
5,681
Sq Ft
1.32
Acres
Highlights
- 153 Feet of Waterfront
- Spa
- Gourmet Kitchen
- 3 Dock Slips
- Fishing Allowed
- Lake View
About This Home
As of November 2025A magnificent waterfront retreat in The Reserve at Holy Cross on the shores of Deep Creek Lake, representing the pinnacle of lake life living. This incomparable estate captures the essence of refined waterfront with a private dock, expansive outdoor entertaining spaces, and tranquil lakeside ambiance. Featuring 7 total bedrooms, 5 of which are en-suites, this home was thoughtfully designed with privacy, comfort, and flexibility in mind. Nature and luxury converge in perfect harmony with beautifully landscaped grounds creating an unmatched backdrop for lakefront gatherings, comfort and peace of mind.
Last Agent to Sell the Property
(301) 501-1000 russell@railey.com Railey Realty, Inc. Listed on: 09/23/2025
Last Buyer's Agent
(703) 955-1832 jeremy.cunningham@penfedrealty.com Berkshire Hathaway HomeServices PenFed Realty License #BR200200539
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $27,928
Year Built
- Built in 2007
Lot Details
- 1.32 Acre Lot
- 153 Feet of Waterfront
- Home fronts navigable water
- Extensive Hardscape
- Property is in excellent condition
- Property is zoned LR, Lake Residential
HOA Fees
- $167 Monthly HOA Fees
Parking
- 3 Car Attached Garage
- 4 Driveway Spaces
Home Design
- Transitional Architecture
- Stone Foundation
- Frame Construction
- Shingle Roof
- Asphalt Roof
- Shake Siding
- Stone Siding
- Concrete Perimeter Foundation
- Composite Building Materials
- Masonry
- Tile
Interior Spaces
- Property has 3 Levels
- Open Floorplan
- Bar
- Ceiling height of 9 feet or more
- Ceiling Fan
- 2 Fireplaces
- Stone Fireplace
- Mud Room
- Entrance Foyer
- Family Room
- Living Room
- Dining Room
- Loft
- Storage Room
- Utility Room
- Lake Views
- Flood Lights
Kitchen
- Gourmet Kitchen
- Gas Oven or Range
- Commercial Range
- Six Burner Stove
- Built-In Range
- Range Hood
- Built-In Microwave
- Dishwasher
- Kitchen Island
- Disposal
Flooring
- Wood
- Carpet
- Ceramic Tile
Bedrooms and Bathrooms
- En-Suite Bathroom
- Walk-In Closet
- Whirlpool Bathtub
- Hydromassage or Jetted Bathtub
- Bathtub with Shower
- Walk-in Shower
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Finished Basement
- Walk-Out Basement
- Basement Fills Entire Space Under The House
- Connecting Stairway
- Exterior Basement Entry
- Basement Windows
Outdoor Features
- Spa
- Canoe or Kayak Water Access
- Private Water Access
- Property is near a lake
- Personal Watercraft
- Waterski or Wakeboard
- Limited Hours Of Personal Watercraft Operation
- Swimming Allowed
- Limit On Boat Length
- 3 Dock Slips
- Physical Dock Slip Conveys
- 2 Powered Boats Permitted
- 1 Non-Powered Boats Permitted
- Balcony
- Deck
- Enclosed Patio or Porch
- Exterior Lighting
- Outbuilding
- Playground
- Play Equipment
Utilities
- Forced Air Heating and Cooling System
- Heating System Powered By Owned Propane
- Propane
- Well
- Electric Water Heater
- Cable TV Available
Listing and Financial Details
- Tax Lot 0018
- Assessor Parcel Number 1218081113
Community Details
Overview
- Association fees include road maintenance, snow removal, trash
- The Reserve At Holy Cross Subdivision
Recreation
- Fishing Allowed
Matterport 3D Tour
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Sep 23, 2025
Closed on
Nov 13, 2025
Sold by
Kleynjans Joseph P and Kleynjans Annie J
Bought by
Cunningham Jeremy and Cunningham Kristie
Seller's Agent
Russell Bounds
Railey Realty, Inc.
Buyer's Agent
Jeremy Cunningham
Berkshire Hathaway HomeServices PenFed Realty
List Price
$3,600,000
Sold Price
$3,375,000
Premium/Discount to List
-$225,000
-6.25%
Views
100
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
35.67%
Original Mortgage
$1,375,000
Outstanding Balance
$1,375,000
Interest Rate
6.34%
Mortgage Type
New Conventional
Estimated Equity
$2,158,020
Purchase Details
Closed on
Nov 27, 2017
Sold by
Tichnell George C and Tichnell Barbara E
Bought by
Kleynjans Joseph P and Kleynjans Annie J
Purchase Details
Closed on
Aug 16, 2007
Sold by
Gregory D Mortimer Properties Inc
Bought by
Tichnell George C and Tichnell Barbara E
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$1,741,250
Interest Rate
6.71%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Aug 14, 2007
Sold by
Gregory D Mortimer Properties Inc
Bought by
Tichnell George C and Tichnell Barbara E
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$1,741,250
Interest Rate
6.71%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Mar 10, 2006
Sold by
H C Reserve Llc
Bought by
Gregory D Mortimer Properties Inc
Purchase Details
Closed on
Mar 8, 2006
Sold by
H C Reserve Llc
Bought by
Gregory D Mortimer Properties Inc
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
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $3,375,000 | Fidelity National Title | |
| Deed | $1,725,000 | Deep Creek Title Group Llc | |
| Deed | $2,442,400 | -- | |
| Deed | $2,442,400 | -- | |
| Deed | $925,000 | -- | |
| Deed | $925,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $1,375,000 | New Conventional | |
| Previous Owner | $1,741,250 | Purchase Money Mortgage | |
| Previous Owner | $1,741,250 | Purchase Money Mortgage | |
| Closed | -- | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 11/13/2025 11/13/25 | Sold | $3,375,000 | -6.3% | $594 / Sq Ft |
| 09/23/2025 09/23/25 | For Sale | $3,600,000 | -- | $634 / Sq Ft |
Source: Bright MLS
Tax History Compared to Growth
Agents Affiliated with this Home
-
Russell Bounds
-
Jessie Railey
Seller Co-Listing Agent in 2025
Jessie Railey
Railey Realty, Inc.
(240) 442-7262
38 Total Sales
-
Jeremy Cunningham
Buyer's Agent in 2025
Jeremy Cunningham
BHHS PenFed (actual)
(703) 955-1832
13 Total Sales
Map
Source: Bright MLS
MLS Number: MDGA2010368
APN: 18-081113
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