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Under contract
  • $699,950

    12438 Whisper Creek Ct, Charlotte Hall, MD 20622

    4beds
    3,316sqft
    : 
    $4,678/mo
    Get pre-qualified
    Single Family Residence
    Built in 2003
    3 Acres Lot
    $-- Zestimate®
    $211/sqft
    $29/mo HOA

    What's special

    Bedroom-level laundryOpen skiesRemodeled two-story colonialDedicated home officeSolar panelsSeparate dining roomSpacious family room
    Welcome to 12438 Whisper Creek Ct, where coming home feels like getting away from it all. Tucked into the beautiful Whisper Creek community of Charlotte Hall, this remodeled two-story Colonial sits on an incredible flat 3-acre lot backing to peaceful farmland, offering the kind of space, quiet, and privacy that can be hard to find. This is Southern Maryland living at its best—open skies, surrounding farms, peaceful country roads, and evenings where you can actually step outside and see the stars. Just beyond the neighborhood, you’ll find the charm that makes this area so special, including Amish and Mennonite farms, local produce stands, farmers markets, and locally grown foods. You’re also conveniently located near St. Mary’s County while still having access to major commuter routes connecting you to Washington, D.C., the Pentagon, Patuxent River, Indian Head, Virginia, and Dahlgren. Inside, the home offers just as much to love. The updated kitchen features granite countertops and opens to comfortable living spaces designed for everyday life and entertaining. There’s a separate dining room, spacious family room, and one of our favorite features—a beautiful sunroom with cathedral ceilings overlooking the peaceful surroundings. Imagine starting your morning here with coffee while looking out across the property and farmland beyond. A dedicated home office provides a quiet place to work from home, while the bedroom-level laundry makes everyday life a little easier. Updated windows with a transferable warranty and solar panels add even more value and can help reduce rising energy costs. Need more room? The full basement gives you plenty of additional space to make your own—whether you envision a recreation room, home gym, hobby space, workshop, or additional living area. And then there’s the yard. Three flat acres give you room to garden, entertain, play, relax, or simply enjoy having some space between you and the rest of the world. At 12438 Whisper Creek Ct, you don't have to choose between peaceful country living and accessibility. You can enjoy the farms, open spaces, local markets, and slower pace of Southern Maryland while still being close enough to commute to the major employment centers of Maryland, Northern Virginia, and Washington, D.C. Come home, spread out, breathe a little deeper, and enjoy the stars again.
    32 days
    |
    998
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    66
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Tanya Redding 301-643-7978,

    CENTURY 21 New Millennium 3016099000

    Source: Bright MLS,MLS#: MDCH2056156MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      • Main level bathrooms: 3
      • Main level bedrooms: 4
      Basement
      • Area: 1313
      Heating
      • Heat Pump, Electric
      Cooling
      • Central Air, Electric
      Appliances
      • Included: Dryer, Washer, Cooktop, Dishwasher, Exhaust Fan, Freezer, Humidifier, Disposal, Microwave, Refrigerator, Water Treat System, Electric Water Heater
      Features
      • Ceiling Fan(s), Dry Wall
      • Flooring: Carpet
      • Windows: Screens, Window Treatments
      • Basement: Other
      • Has fireplace: No
      Interior area
      • Total structure area: 4,629
      • Total interior livable area: 3,316 sqft
      • Finished area above ground: 3,316
      • Finished area below ground: 0

      Property

      Parking
      • Total spaces: 3
      • Parking features: Garage Door Opener, Attached
      • Attached garage spaces: 3
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Three
      • Stories: 3
      • Pool features: None
      Lot
      • Size: 3 Acres
      Details
      • Additional structures: Above Grade, Below Grade
      • Parcel number: 0904027604
      • Zoning: AC
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Colonial
      • Property subtype: Single Family Residence
      Materials
      • Vinyl Siding
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2003

      Utilities & green energy

      • Sewer: On Site Septic
      • Water: Well
      Green energy
      • Energy generation: PV Solar Array(s) Leased

      Community & HOA

      Community
      • Subdivision: Whisper Creek Sub
      HOA
      • Has HOA: Yes
      • HOA fee: $350 annually
      • HOA name: WHISPER CREEK HOA
      Location
      • Region: Charlotte Hall

      Financial & listing details

      • Price per square foot: $211/sqft
      • Tax assessed value: $604,200
      • Annual tax amount: $7,307
      • Date on market: 7/9/2026
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Conventional,Cash,FHA,VA Loan,Other
      • Ownership: Fee Simple

        Estimated market value

        Not available

        Estimated sales range

        Not available

        $3,612/mo

        Price history

        DateEventPrice
        8/10/2026Contingent$699,950$211/sqft
        Source: Bright MLS #MDCH2056156 Report a problem
        7/9/2026Listed for sale$699,950+10.7%$211/sqft
        Source: Bright MLS #MDCH2056156 Report a problem
        5/25/2006Sold$632,500+43.8%$191/sqft
        Source: Public Record Report a problem
        3/3/2004Sold$439,900+405.6%$133/sqft
        Source: Public Record Report a problem
        7/24/2003Sold$87,000$26/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$6,816 +7.2%$542,767 +12.8%
        2024$6,357 +20.8%$481,333 +14.6%
        2023$5,261 +17.3%$419,900
        2022$4,486 -7.5%$419,900 +8.5%
        2021$4,848 +4.5%$386,900 +4.5%
        2020$4,641 -4.5%$370,400
        2019$4,861 +0.4%$370,400 +0.7%
        2018$4,844 +0.4%$367,800 +0.4%
        2017$4,827 -31.7%$366,500
        2016$7,063 $366,500
        2015$7,063 $366,500 -1.5%
        2014$7,063 $372,000
        2013-- $372,000
        2012-- $372,000 -24.7%
        2011-- $493,790
        2010-- $493,790
        2009-- $493,790 -3.5%
        2008-- $511,730 +17.6%
        2007-- $435,302 +21.3%
        2006-- $358,876 +27.1%
        2005-- $282,450 +3.3%
        2004-- $273,550 +3853%
        2003-- $6,920 +2.4%
        2002-- $6,760
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 20622

        Getting around

        0 / 100
        Car-Dependent
        16 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: Charles County Public Schools

        Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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