NOT LISTED FOR SALE

870 Holy Cross Dr Oakland, MD 21550

Estimated Value: $3,112,111 - $3,609,000

7 Beds
6.5 Baths
5,681 Sq Ft
$592/Sq Ft Est. Value

Sale Details

Date Sold: November 13, 2025

Last sale price $3,375,000 $594 Per Sq Ft

Current estimated payment $21,672 / mo

5 Days on Market

Highlights

  • 153 Feet of Waterfront
  • Spa
  • Gourmet Kitchen
  • 3 Dock Slips
  • Fishing Allowed
  • Lake View

About This Home

As of November 2025

A 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

Russell Bounds

(301) 387-2000 russell@railey.com Railey Realty, Inc. License #500253 Listed on: 09/23/2025

Railey Realty, Inc.

Co-Listed By

Jessie Railey

(301) 387-2000 jessier@railey.com Railey Realty, Inc. License #5006522

Last Buyer's Agent

Jeremy Cunningham

(703) 691-7653 fairoaks@penfedrealty.com Berkshire Hathaway HomeServices PenFed Realty License #667499

Berkshire Hathaway HomeServices PenFed Realty

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

Home Details

Home Type

Single Family

Est. Annual Taxes

$27,928

Year Built

Built in 2007

Lot Details

1.32 Acres

HOA Fees

$167 per month

Parking

3

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Transitional
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Expected On Market: 10/1/2025 12:00:00 AM
  • Year Built: 2007
  • Automatically Close On Close Date: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Built-In Range, Commercial Range, Dishwasher, Disposal, Dryer, Microwave, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Washer
  • Flooring Type: Carpet, Ceramic Tile, Wood
  • Interior Amenities: Bar, Carpet, Combination Dining/Living, Combination Kitchen/Dining, Wood Floors, Whirlpool/Hottub, Walk-In Closet(s), Primary Bath(s), Kitchen - Island, Kitchen - Gourmet, Floor Plan - Open, Entry Level Bedroom, Ceiling Fan(s), Bathroom - Tub Shower, Bathroom - Stall Shower, Bathroom - Soaking Tub, Bathroom - Jetted Tub
  • Fireplace Features: Stone
  • Fireplaces Count: 2
  • Fireplace: Yes
  • Wall Ceiling Types: 9'+ Ceilings, Dry Wall
  • Foundation Details: Concrete Perimeter, Stone
  • Levels Count: 3
  • Room List: Living Room, Dining Room, Primary Bedroom, Kitchen, Family Room, Foyer, Laundry, Loft, Mud Room, Storage Room, Utility Room, Primary Bathroom, Full Bath, Half Bath, Additional Bedroom
  • Basement: Yes
  • Basement Type: Connecting Stairway, Full, Fully Finished, Outside Entrance, Walkout Level, Windows
  • Laundry Type: Main Floor
  • Total Sq Ft: 5681
  • Living Area Sq Ft: 5681
  • Price Per Sq Ft: 978.26
  • Above Grade Finished Sq Ft: 3680
  • Below Grade Finished Sq Ft: 2001
  • Total Below Grade Sq Ft: 2001
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 7
  • Main Level Bedrooms: 1
  • All Lower Level Bedrooms: 3
  • Total Bathrooms: 7
  • Full Bathrooms: 6
  • Half Bathrooms: 1
  • Main Level Bathrooms: 2.00
  • Upper Level Bathrooms: 3
  • Lower Levels Bathrooms: 2
  • Upper Level Bathrooms: 3.00
  • Lower Levels Bathrooms: 2.00
  • Main Level Full Bathrooms: 1
  • Lower Level Full Bathrooms: 2
  • Main Level Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Frame, Composition, Concrete, Masonry, Shake Siding, Stone, Tile
  • Exterior Features: Extensive Hardscape, Exterior Lighting, Flood Lights, Hot Tub, Outbuilding(s), Play Area, Play Equipment
  • Road Surface Type: Paved
  • Roof: Asphalt, Shingle
  • View: Lake
  • Water Access Features: Boat - Length Limit, Boat - Powered, Canoe/Kayak, Fishing Allowed, Limited Hours Of Personal Watercraft Operation (PWC), Personal Watercraft (PWC), Private Access, 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
  • Tidal Water: No
  • Water View: Yes
  • Water Frontage In Feet: 153

Garage/Parking

  • Garage Spaces: 3.00
  • Garage: Yes
  • Parking Features: Paved Driveway
  • Garage Features: Oversized
  • Attached Garage Spaces: 3
  • Total Garage And Parking Spaces: 7
  • Type Of Parking: Driveway, Attached Garage
  • Number of Spaces in Driveway: 4

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Heating Fuel: Propane - Owned
  • Heating Type: Forced Air
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Public Sewer
  • Utilities: Cable Tv Available, Propane
  • Water Source: Well
  • Internet Services: Cable

Condo/Co-op/Association

  • HOA Fees: 500.00
  • HOA Fee Frequency: Quarterly
  • Condo Co-Op Association: No
  • HOA Condo Co-Op Fee Includes: Road Maintenance, Snow Removal, Trash
  • HOA: Yes
  • Senior Community: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Additional Parcels: No
  • Lot Size Acres: 1.32
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 57499.00
  • Outdoor Living Structures: Balcony, Deck(s), Enclosed, Patio(s), Porch(es), Roof
  • Property Condition: Excellent
  • Zoning: LR
  • Zoning Description: Lake Residential
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Lease Considered: No
  • Vacation Rental: No
  • Property Manager: No

Tax Info

  • Tax Annual Amount: 27928.00
  • Assessor Parcel Number: 1218081113
  • Tax Lot: 0018
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024

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
Sep 23, 2025
Closed on
Nov 13, 2025
Sold by
Bought by
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
Current Estimated Value
$3,365,037

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$9,963
Avg. Annual Appreciation
-0.49%
Original Mortgage
$1,375,000
Outstanding Balance
$1,375,000
Interest Rate
6.34%
Mortgage Type
New Conventional
Estimated Equity
$1,990,037

Purchase Details

Closed on
Nov 27, 2017
Sold by
Bought by

Purchase Details

Closed on
Aug 16, 2007
Sold by
Bought by

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
Bought by

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
Bought by

Purchase Details

Closed on
Mar 8, 2006
Sold by
Bought by
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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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 Buyer Sale Price Title Company
$3,375,000 Fidelity National Title
$1,725,000 Deep Creek Title Group Llc
$2,442,400 --
$2,442,400 --
$925,000 --
$925,000 --
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 Borrower Loan Amount
Open $1,375,000
Previous Owner $1,741,250
Previous Owner $1,741,250
Closed --
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
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

Agents Affiliated with this Home

  • Russell Bounds

    Seller's Agent in 2025

    Russell Bounds

    Railey Realty, Inc.

    (301) 501-1000

    76 Total Sales

    Russell Bounds
    Section Image
  • Jessie Railey

    Seller Co-Listing Agent in 2025

    Jessie Railey

    Railey Realty, Inc.

    (240) 442-7262

    48 Total Sales

    Jessie Railey
    Section Image
  • Jeremy Cunningham

    Buyer's Agent in 2025

    Jeremy Cunningham

    BHHS PenFed (actual)

    (703) 955-1832

    15 Total Sales

    Jeremy Cunningham
    Section Image
See All Agents

Map

Source: Bright MLS

MLS Number: MDGA2010368

Bright MLS

APN: 18-081113

Maryland Garrett County Oakland 21550

870 Holy Cross Dr, Oakland, MD

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