Olivia Hale

47 Holy Cross

Oakland, MD
$ 6,499,900 Beds 7 Baths 8.5 Sq 11,417 Virtual Tour
Monthly Estimate* How much can I afford?

Luxury lakefront living at its peak. This 11,417 sq ft masterpiece sits on 1.65 acres in The Reserve at Holy Cross with 345 feet of Deep Creek Lake frontage and an engineered DNR-approved sea wall. Crafted in 2016, the home features timber-framed vaulted ceilings, wide-plank hardwood floors, and panoramic lake views from nearly every room. The commercial-grade kitchen anchors the main level with a sprawling island, Wolf range, and access to a four-season room that opens fully to the outdoors through custom bi-fold doors. The main-level primary suite spans nearly 900 sq ft with a private balcony, soaking tub, his-and-her vanities, and a massive walk-in closet. Enjoy five fireplaces, an indoor pool with fountains and a full bath, and three levels of outdoor living, including an outdoor kitchen, built-in hot tub with gazebo, outdoor shower, and deck drainage system to keep lower levels dry. Entertain with ease in the rec room with an industrial-style bar, climate-controlled wine cellar, and fully equipped gym. Three attached garages connect to a locker-style mudroom, with a lower-level garage ideal for a side-by-side or lake toys. Radiant heat, a whole-house generator, and three dock slips make this property as functional as it is flawless. A rare opportunity to own a true statement home in one of Deep Creek Lakes most prestigious communities. Call today for your private tour!

ACTIVE

  • Price
  • $ 6,499,900
  • City
  • Oakland
  • Bedrooms
  • 7
  • Full Bathrooms
  • 8
  • County
  • GARRETT
  • Half Bathrooms
  • 1
  • Area
  • Lot Size
  • 1.64 Acres
  • Zip
  • 21550
  • Sqr Footage
  • 11,417
  • Year Built
  • 2016
  • Taxes
  • $ 50098
  • Style
  • Contemporary
  • MLS#
  • MDGA2010560
Listed By: Jonathan D Bell with Railey Realty, Inc. - 3013872000;
Data Source: Bright MLS

Features

General

Living Area 11417
Sewer Public Sewer
Heating Heat Pump(s),Radiant,Zoned
Cooling Ceiling Fan(s),Central A/C
Possession Settlement
Appliances Dryer,Washer,Cooktop,Dishwasher,Exhaust Fan,Freezer,Disposal,Microwave,Refrigerator,Extra Refrigerator/Freezer,Icemaker,Stove,Water Dispenser
Zoning LR
HOA Fee 2000.00
Garage Spaces 3.00
Association Fee Includes Road Maintenance,Snow Removal,Trash
Patio/Porch Features Deck(s),Balcony,Patio(s)
Architectural Style Contemporary
Pool Features Indoor
Security Features Electric Alarm
Construction Materials Stone,HardiPlank Type
School District GARRETT COUNTY PUBLIC SCHOOLS
Year Built 2016
View Water
Levels 3
Tax Year 2024
Ownership Fee Simple
Cool Fuel Electric
Waterfront Features Private Dock Site
Accessibility None
Assoc Fee Paid Per Annually
County GARRETT
New Construction No
Property Type Residential
Association Amenities Water/Lake Privileges
HOA Yes
Subdivision Name RESERVE AT HOLY CROSS
Garage Y/N Yes
Water Access Y/N Yes
Other Structures Above Grade,Below Grade
Full Baths 8
Status ACTIVE
Directions From 2 Vacation Way,take Rt 219S and turn left onto Sand Flat Rd. Turn left onto Boy Scout Road and then right onto Boy Scout Crosscut Rd. Turn left onto Holy Cross Dr and then right onto Holy Cross
City OAKLAND
Body of Water DEEP CREEK LAKE
Disclosures Prop Disclosure,Subject to Condo/HOA Docs
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 71438.00
Tax Assessed Value 4569600.0
Tax Annual Amount 50098.0
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 1
Bathrooms Count Main Level 2.00
Price Per Sq Ft Total AG 853.34
Additional Parcels Y/N No
Vacation Rental Y/N No
Virtual Tour https://my.matterport.com/show/?m=KuKr47nby6t
Total SQFT 11648
Location Type Lake
Standard Status Active
Year Built Source Assessor
Legal Subdivision RESERVE AT HOLY CROSS
Tax Lot 12

Interior Features

Interior Amenities Ceiling Fan(s),Wet/Dry Bar,Wood Floors,Wine Storage,Floor Plan - Open,Window Treatments
Heating Fuel Propane - Owned
Basement Fully Finished,Walkout Level,Windows,Connecting Stairway
Flooring Hardwood
Total Fireplaces 3
Fireplace Features Gas/Propane
Hot Water Propane
Basement (Y/N) Yes
Heating Y/N Yes
Window Features Screens
Fireplace Y/N Yes
Above Grade Finished Area 7617
Half Baths 1
Central Air Y/N Yes
Total Bedrooms 7
Below Grade Finished Area 3800
Room Type Living Room,Dining Room,Primary Bedroom,Bedroom 4,Kitchen,Den,Foyer,Sun/Florida Room,Exercise Room,Laundry,Loft,Mud Room,Other,Office,Recreation Room,Utility Room,Bathroom 1,Primary Bathroom,Full Bat
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Assessor
Laundry Type Lower Floor,Main Floor,Upper Floor
Below Grade Unfin Area Units Square Feet
Below Grade Unfin SQFT 231
Below Grade Unfin SQFT Source Assessor
Below Grade Finished Area Source Assessor
Bedrooms Count All Lower Levels 2
Bedrooms Count All Upper Levels 4
Bedrooms Count Lower Level 1 2
Bedrooms Count Upper Level 1 4
Bathrooms Half Main Level 1
Bathrooms Full Upper Level 1 4
Bathrooms Full Lower Level 1 3
Bathrooms Full All Upper Levels 4
Bathrooms Full All Lower Levels 3
Bathrooms Count Upper Level 1 4.00
Bathrooms Count Lower Level 1 3.00
Bathrooms Count All Upper Levels 4
Bathrooms Count All Lower Levels 3
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 9

Exterior Features

Exterior Amenities Hot Tub,Outside Shower
Pool Yes - Personal
Parking Features Paved Driveway
Lot Features Premium
Water Source Well
Total Parking Spaces 3
Garage Features Garage - Front Entry
Type of Parking Driveway,Attached Garage
Land Use Code R
Foundation Details Permanent
Water View Y/N Yes
Lot Size Acres 1.64
Water Body Type Lake
Lot Size Source Assessor
Waterfront Y/N Yes
Water Access Features Boat - Powered,Canoe/Kayak,Fishing Allowed,Swimming Allowed,Private Access
Number of Docks 1
Land Assessed Value 832800.00
Navigable Water Y/N Yes
Number of Slips 3
Water Oriented Y/N Yes
# of Attached Garage Spaces 3
Dock/Slip Conveys YN Yes
Dock Type and Features Type A

Room Details

Bathroom 1 Upper 1 Flooring - Ceramic Tile
Bedroom 4 Upper 1 Flooring - HardWood
Den Upper 1 Flooring - HardWood
Dining Room Main Flooring - HardWood
Exercise Room Lower 1 Ceiling Fan(s)
Foyer Main Flooring - HardWood
Full Bath # 2 Lower 1 Flooring - Ceramic Tile
Full Bath Upper 1 Flooring - Ceramic Tile
Half Bath Main Flooring - HardWood
Kitchen Main Flooring - HardWood
Laundry # 2 Upper 1 Flooring - Ceramic Tile
Laundry Main Flooring - Ceramic Tile
Laundry # 3 Lower 1 Flooring - Ceramic Tile
Living Room Main Flooring - HardWood,Fireplace - Gas,Wet Bar
Loft Upper 1 Flooring - HardWood
Mud Room Main Flooring - Ceramic Tile
Office Main Flooring - HardWood,Fireplace - Gas,Ceiling Fan(s)
Other Lower 1
Primary Bathroom # 5 Lower 1 Flooring - Ceramic Tile
Primary Bathroom # 4 Upper 1 Flooring - Ceramic Tile
Primary Bathroom # 2 Upper 1 Flooring - Ceramic Tile
Primary Bathroom # 6 Lower 1 Flooring - Ceramic Tile
Primary Bathroom # 3 Upper 1 Flooring - Ceramic Tile
Primary Bathroom Main Flooring - HardWood
Primary Bedroom # 6 Lower 1 Ceiling Fan(s),Flooring - HardWood
Primary Bedroom # 4 Upper 1 Ceiling Fan(s),Flooring - HardWood
Primary Bedroom # 5 Lower 1 Flooring - HardWood,Ceiling Fan(s)
Primary Bedroom Main Flooring - HardWood,Ceiling Fan(s)
Primary Bedroom # 3 Upper 1 Flooring - HardWood
Primary Bedroom # 2 Upper 1 Ceiling Fan(s),Flooring - HardWood
Recreation Room Lower 1 Flooring - HardWood,Fireplace - Gas
Sun/Florida Room Main Ceiling Fan(s),Flooring - HardWood
Utility Room Lower 1

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Martinsburg, WV office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
Agent Photo

Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Call School Board Elementary School
Middle School Southern Middle School
High School Southern Garrett High

Price History

10/24/2025 Listed $6,499,900

Property vs Zip Code Average in 21550

Price
AVG $790K
$6.5M
Taxes
AVG $5,079
$50,098
Year Built
AVG 1980
2016
Visits
AVG 434
701
Data Provided by Inside Real Estate®

Areas That We Cover

47 Holy Cross Oakland, MD is a Single Family Home for sale at $6499900 with 11417 sqft and a lot size of 1.64 Acres Acre(s). 47 Holy Cross Oakland has 7 bedrooms, 8 baths and was built in 2016. The property's zip code is 21550 which is in Oakland, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Olivia Hale

Olivia Hale

888-888-8888

By pressing Contact Me, you agree that Weichert® may contact you via phone about your inquiry, which may involve the use of automated means. You are not required to consent as a condition of purchasing any property, goods or services. For any other information please read our Privacy Policy