Beautiful lakefront home offering 89' of lakefront and a private dock. This home has been remodeled and is very warm and inviting from the moment you enter. Boasting a great island featuring granite countertops, and plenty of seating for family and friends. The lakefront views are unobstructed year round, and can be enjoyed from most any room. The outside space is just as pleasing with a wrap-around Trex deck, stone patio with a hot tub, and a firepit. If all of this isn't enough, take a few steps down to the lakefront and enjoy the type A dock. The central location is also hard to beat, just minutes to coffee, ice cream, Wisp Ski Resort, grocery stores and restaurants. Established rental "Moments & Memories". Call today to preview!
For sale
Price cut: $100K (11/9)
$1,099,000
20698 Garrett Hwy, Oakland, MD 21550
4beds
1,844sqft
Single Family Residence
Built in 1950
0.28 Acres Lot
$1,041,900 Zestimate®
$596/sqft
$-- HOA
What's special
Warm and invitingWrap-around trex deckPrivate dock
- 86 days
- 460
- 22
Zillow last checked:
Listing updated:
Listed by:
Betsy Spiker Holcomb 301-616-5022,
Taylor-Made Deep Creek Real Estate, LLC 3013874700
Source: Bright MLS,MLS#: MDGA2012616
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 3
Rooms
- Room types: Living Room, Dining Room, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Bedroom 1, Laundry
Bedroom 1
- Features: Flooring - Laminated
- Level: Main
- Area: 100 Square Feet
- Dimensions: 10 X 10
Bedroom 2
- Features: Flooring - Laminated
- Level: Main
- Area: 100 Square Feet
- Dimensions: 10 X 10
Bedroom 3
- Features: Flooring - Laminated
- Level: Main
- Area: 100 Square Feet
- Dimensions: 10 X 10
Bedroom 4
- Features: Flooring - Laminated
- Level: Lower
- Area: 168 Square Feet
- Dimensions: 12 X 14
Dining room
- Features: Flooring - Laminated
- Level: Main
- Area: 90 Square Feet
- Dimensions: 9 X 10
Family room
- Features: Flooring - Laminated
- Level: Lower
- Area: 414 Square Feet
- Dimensions: 18 X 23
Kitchen
- Features: Granite Counters
- Level: Main
- Area: 72 Square Feet
- Dimensions: 8 X 9
Laundry
- Level: Lower
Living room
- Features: Fireplace - Wood Burning, Flooring - Laminated
- Level: Main
- Area: 374 Square Feet
- Dimensions: 17 X 22
Heating
- Forced Air, Propane
Cooling
- Central Air, Electric
Appliances
- Included: Dishwasher, Dryer, Microwave, Oven/Range - Electric, Refrigerator, Washer, Electric Water Heater
- Laundry: Lower Level, Laundry Room
Features
- Dining Area, Entry Level Bedroom, Open Floorplan, Kitchen Island, Dry Wall
- Flooring: Laminate
- Windows: Wood Frames
- Basement: Finished,Heated
- Number of fireplaces: 1
- Fireplace features: Stone
Interior area
- Total structure area: 2,104
- Total interior livable area: 1,844 sqft
- Finished area above ground: 1,168
- Finished area below ground: 676
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Driveway
- Uncovered spaces: 4
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Patio
- Pool features: None
- Has spa: Yes
- Spa features: Hot Tub
- Has view: Yes
- View description: Mountain(s), Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Private Dock Site, Lake, Boat - Powered, Canoe/Kayak, Fishing Allowed, Limited hours of Personal Watercraft Operation (PWC), Swimming Allowed, Waterski/Wakeboard, Sail
- Body of water: Deep Creek Lake
- Frontage length: Water Frontage Ft: 89
Lot
- Size: 0.28 Acres
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1218023547
- Zoning: C
- Zoning description: Commercial
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subtype: Single Family Residence
Materials
- Frame
- Foundation: Block
- Roof: Shingle
Condition
- Excellent
- New construction: No
- Year built: 1950
- Major remodel year: 2023
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Subdivision: Garrett Highway
HOA
- Has HOA: No
Location
- Region: Oakland
Financial & listing details
- Price per square foot: $596/sqft
- Tax assessed value: $879,867
- Annual tax amount: $9,200
- Date on market: 8/16/2026
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Estimated market value
$1,041,900
$990,000 - $1.09M
$2,729/mo
Price history
| Date | Event | Price |
|---|---|---|
| 11/9/2026 | Price change | $1,099,000-8.3%$596/sqft |
Source:  Bright MLS #MDGA2012616 Report a problem | ||
| 8/16/2026 | Listed for sale | $1,199,000-7.7%$650/sqft |
Source: Bright MLS #MDGA2012616 Report a problem | ||
| 11/19/2025 | Listing removed | $1,299,000$704/sqft |
Source: Bright MLS #MDGA2008636 Report a problem | ||
| 5/27/2025 | Price change | $1,299,000-7.1%$704/sqft |
Source: Bright MLS #MDGA2008636 Report a problem | ||
| 3/13/2025 | Price change | $1,399,000-5.4%$759/sqft |
Source: Bright MLS #MDGA2008636 Report a problem | ||
| 12/19/2024 | Listed for sale | $1,479,000+76.1%$802/sqft |
Source: Bright MLS #MDGA2008636 Report a problem | ||
| 8/1/2022 | Sold | $840,000+5.7%$456/sqft |
Source: Bright MLS #MDGA2003072 Report a problem | ||
| 7/29/2022 | Pending sale | $795,000$431/sqft |
Source: Bright MLS #MDGA2003072 Report a problem | ||
| 6/3/2022 | Contingent | $795,000$431/sqft |
Source: Bright MLS #MDGA2003072 Report a problem | ||
| 5/30/2022 | Listed for sale | $795,000$431/sqft |
Source: Bright MLS #MDGA2003072 Report a problem | ||
| 5/30/2022 | Contingent | $795,000$431/sqft |
Source: Bright MLS #MDGA2003072 Report a problem | ||
| 5/28/2022 | Listed for sale | $795,000+19.6%$431/sqft |
Source: Bright MLS #MDGA2003072 Report a problem | ||
| 9/7/2018 | Listing removed | $1,400$1/sqft |
Source: Property Management Services Report a problem | ||
| 9/5/2018 | Listed for rent | $1,400$1/sqft |
Source: Property Management Services Report a problem | ||
| 7/20/2018 | Listing removed | $1,400$1/sqft |
Source: Property Management Services Report a problem | ||
| 3/7/2018 | Listed for rent | $1,400-22.2%$1/sqft |
Source: Property Management Services Report a problem | ||
| 9/2/2017 | Listed for rent | $1,800$1/sqft |
Source: Property Management Services Report a problem | ||
| 9/9/2015 | Listing removed | $1,800$1/sqft |
Source: Property Management Services Report a problem | ||
| 8/27/2015 | Listed for rent | $1,800$1/sqft |
Source: Property Management Services Report a problem | ||
| 5/22/2013 | Sold | $664,500+29%$360/sqft |
Source: Public Record Report a problem | ||
| 10/20/2005 | Sold | $515,000$279/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2026 | $11,104 +6.6% | $879,867 +8.3% |
| 2025 | $10,419 +27.6% | $812,700 +16.2% |
| 2024 | $8,166 +19.4% | $699,167 +19.4% |
| 2023 | $6,840 +24% | $585,633 +24% |
| 2022 | $5,514 +0.6% | $472,100 +0.6% |
| 2021 | $5,479 +0.6% | $469,100 +0.6% |
| 2020 | $5,444 +0.6% | $466,100 +0.6% |
| 2019 | $5,409 +6% | $463,100 |
| 2018 | $5,103 0% | $463,100 |
| 2017 | $5,103 | $463,100 -0.6% |
| 2016 | -- | $465,900 |
| 2015 | -- | $465,900 |
| 2014 | -- | $465,900 -16.8% |
| 2013 | -- | $560,000 |
| 2012 | -- | $560,000 |
| 2011 | -- | $560,000 -1% |
| 2010 | -- | $565,860 +6.6% |
| 2009 | -- | $531,072 +7% |
| 2008 | -- | $496,286 +8.1% |
| 2007 | -- | $459,310 +12.6% |
| 2006 | -- | $407,740 +14.5% |
| 2005 | -- | $356,170 +16.9% |
| 2004 | -- | $304,600 +13.9% |
| 2003 | -- | $267,380 +16.2% |
| 2002 | -- | $230,160 +19.3% |
| 2001 | -- | $192,940 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 21550
Nearby schools
Schools provided by the listing agent
- District: Garrett 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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