109 Poland Heights Ln, Swanton, MD 21561
What's special
Welcome to Morning Light, a beautifully appointed 3-bedroom, 2-bath mountain retreat located in the prestigious Thousand Acres community at Deep Creek Lake. Perfectly positioned along Hole #3 of the Thousand Acres Golf Course, this home offers peaceful golf course views, quality finishes, and a thoughtfully designed open floor plan that's ideal for entertaining or relaxing. Interior highlights include a stunning stone fireplace, spacious kitchen and living area, loft, private primary suite, and a sauna for year-round enjoyment. Outside, unwind on the expansive deck, gather around the outdoor fire pit, or soak in the hot tub after a day of adventure. Conveniently located just minutes from Deep Creek Lake, Deep Creek Lake State Park, restaurants, marinas, and other area attractions, this property offers the perfect blend of privacy, comfort, and easy access to everything the lake has to offer. Whether you're searching for a full-time residence, vacation getaway, or investment opportunity, this exceptional home is ready to impress!
- 87 days
- 442
- 24
Travel times
Living Room
Kitchen
Bedroom
Zillow last checked:
Listing updated:
Nick Fratz-Orr 301-616-0473,
Railey Realty, Inc. 301-387-2000
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Basement
- Area: 0
Heating
- Forced Air, Propane
Cooling
- Central Air, Electric
Appliances
- Included: Electric Water Heater
Features
- Has basement: No
- Number of fireplaces: 1
- Fireplace features: Stone
Interior area
- Total structure area: 1,650
- Total interior livable area: 1,650 sqft
- Finished area above ground: 1,650
- Finished area below ground: 0
Property
Parking
- Total spaces: 4
- Parking features: Driveway
- Uncovered spaces: 4
Accessibility
- Accessibility features: None
Features
- Levels: One and One Half
- Stories: 1.5
- Pool features: None
- Has view: Yes
- View description: Golf Course
- Waterfront features: Canoe/Kayak, Fishing Allowed, Lake
- Body of water: Deep Creek Lake
Lot
- Size: 0.58 Acres
- Features: Adjoins Golf Course
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1218086166
- Zoning: R
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subtype: Single Family Residence
Materials
- Frame
- Foundation: Crawl Space
Condition
- New construction: No
- Year built: 2021
Utilities & green energy
- Electric: 200+ Amp Service
- Sewer: Public Sewer
- Water: Well
- Utilities for property: Underground Utilities
Community & HOA
Community
- Subdivision: Thousand Acres
HOA
- Has HOA: Yes
- Amenities included: Common Grounds, Golf Course, Non-Lake Recreational Area, Tennis Court(s), Water/Lake Privileges
- Services included: Common Area Maintenance, Management, Road Maintenance, Snow Removal
- HOA fee: $400 annually
Location
- Region: Swanton
Financial & listing details
- Price per square foot: $409/sqft
- Tax assessed value: $578,000
- Annual tax amount: $6,637
- Date on market: 7/28/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,Other
- Exclusions: Sauna
- Ownership: Fee Simple
Price history
| Date | Event | Price |
|---|---|---|
| 9/25/2026 | Price change | $675,000-6.1%$409/sqft |
Source:  Bright MLS #MDGA2012472 Report a problem | ||
| 8/28/2026 | Price change | $719,000-7.2%$436/sqft |
Source: Bright MLS #MDGA2012472 Report a problem | ||
| 7/28/2026 | Listed for sale | $775,000+33.9%$470/sqft |
Source: Bright MLS #MDGA2012472 Report a problem | ||
| 3/3/2023 | Sold | $579,000-9.5%$351/sqft |
Source: Bright MLS #MDGA2004058 Report a problem | ||
| 1/5/2023 | Pending sale | $639,900$388/sqft |
Source: Bright MLS #MDGA2004058 Report a problem | ||
| 11/22/2022 | Listed for sale | $639,900$388/sqft |
Source: Bright MLS #MDGA2004058 Report a problem | ||
| 11/16/2022 | Pending sale | $639,900$388/sqft |
Source: Bright MLS #MDGA2004058 Report a problem | ||
| 10/26/2022 | Listed for sale | $639,900+24%$388/sqft |
Source: Bright MLS #MDGA2004058 Report a problem | ||
| 11/12/2021 | Sold | $515,900+2479.5%$313/sqft |
Source: Bright MLS #MDGA2000992 Report a problem | ||
| 9/21/2020 | Sold | $20,000+185.7%$12/sqft |
Source: Public Record Report a problem | ||
| 12/6/2018 | Sold | $7,000-95.6%$4/sqft |
Source: Public Record Report a problem | ||
| 2/15/2007 | Sold | $160,000$97/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2026 | $6,716 -3.1% | $578,000 -1.4% |
| 2025 | $6,930 +15.6% | $586,300 +14.2% |
| 2024 | $5,997 +16.5% | $513,400 +16.5% |
| 2023 | $5,145 +19.8% | $440,500 +19.8% |
| 2022 | $4,294 +2350.7% | $367,600 +2350.7% |
| 2021 | $175 | $15,000 |
| 2020 | $175 -77% | $15,000 -77% |
| 2019 | $760 +6% | $65,100 |
| 2018 | $717 +0% | $65,100 |
| 2017 | $717 | $65,100 |
| 2016 | -- | $65,100 |
| 2015 | -- | $65,100 |
| 2014 | -- | $65,100 -56.7% |
| 2013 | -- | $150,200 |
| 2012 | -- | $150,200 |
| 2011 | -- | $150,200 0% |
| 2010 | -- | $150,270 +19.6% |
| 2009 | -- | $125,626 +24.4% |
| 2008 | -- | $100,983 +32.3% |
| 2007 | -- | $76,340 |
Monthly payment
Estimated market value
$659,400
$626,000 - $692,000
$2,409/mo
Climate risks
Explore flood, wildfire, and other predictive climate risk information for this property on First Street®️.