Welcome to 431 Mountaintop Road at Deep Creek Lake! This 5 bedroom, 3.5 bathroom mountain retreat offers over 3200 square feet of finished living space on 3 levels. The Deep Creek Highlands community offers premium amenities including lake access, tennis courts, outdoor pool in the summer seasons and walking trails to a scenic overlook. This home offers a main level bedroom with en-suite bathroom provides layout functionality and convenience, two gas fireplaces for warmth and ambiance in the winter months, a four-seasons screened-in room, paved driveway and a private, mountain feel. New roof and completely repainted interior in 2025! Call today to schedule private tour of this excellent mountain home!
For sale
$949,000
431 Mountaintop Rd, McHenry, MD 21541
5beds
3,285sqft
Single Family Residence
Built in 2005
0.57 Acres Lot
$909,100 Zestimate®
$289/sqft
$114/mo HOA
What's special
Private mountain feelPaved drivewayFour-seasons screened-in room
- 3 days
- 247
- 19
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Nick Fratz-Orr 301-616-0473,
Railey Realty, Inc. 301-387-2000
Source: Bright MLS,MLS#: MDGA2012814
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Basement
- Area: 1261
Heating
- Forced Air, Propane
Cooling
- Central Air, Electric
Appliances
- Included: Electric Water Heater
Features
- Basement: Finished
- Number of fireplaces: 2
- Fireplace features: Gas/Propane
Interior area
- Total structure area: 3,285
- Total interior livable area: 3,285 sqft
- Finished area above ground: 2,024
- Finished area below ground: 1,261
Property
Parking
- Total spaces: 5
- Parking features: Driveway
- Uncovered spaces: 5
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Pool features: Community
- Has view: Yes
- View description: Mountain(s)
- Waterfront features: Canoe/Kayak, Fishing Allowed, Private Access, Lake
- Body of water: Deep Creek Lake
Lot
- Size: 0.57 Acres
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1218075091
- Zoning: R
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Chalet
- Property subtype: Single Family Residence
Materials
- Frame
- Foundation: Block
- Roof: Architectural Shingle
Condition
- New construction: No
- Year built: 2005
Utilities & green energy
- Electric: 200+ Amp Service
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Subdivision: Deep Creek Highlands
HOA
- Has HOA: Yes
- Amenities included: Common Grounds, Gated, Picnic Area, Pier/Dock, Pool, Water/Lake Privileges, Tennis Court(s)
- Services included: Common Area Maintenance, Management, Pool(s), Road Maintenance, Security, Snow Removal, Pier/Dock Maintenance
- HOA fee: $1,367 annually
Location
- Region: Mchenry
Financial & listing details
- Price per square foot: $289/sqft
- Tax assessed value: $522,400
- Annual tax amount: $6,102
- Date on market: 9/29/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,Other
- Ownership: Fee Simple
- Road surface type: Paved
Estimated market value
$909,100
$864,000 - $955,000
$3,981/mo
Price history
| Date | Event | Price |
|---|---|---|
| 9/29/2026 | Listed for sale | $949,000-4.6%$289/sqft |
Source:  Bright MLS #MDGA2012814 Report a problem | ||
| 1/24/2024 | Listing removed | -- |
Source: Bright MLS #MDGA2004504 Report a problem | ||
| 9/12/2023 | Price change | $995,000-2.5%$303/sqft |
Source: Bright MLS #MDGA2004504 Report a problem | ||
| 5/2/2023 | Price change | $1,020,000-2.9%$311/sqft |
Source: Bright MLS #MDGA2004504 Report a problem | ||
| 2/24/2023 | Listed for sale | $1,050,000+24.3%$320/sqft |
Source: Bright MLS #MDGA2004504 Report a problem | ||
| 3/12/2021 | Sold | $845,000+1.8%$257/sqft |
Source: Public Record Report a problem | ||
| 2/16/2021 | Pending sale | $829,900$253/sqft |
Source: Bright MLS #MDGA134390 Report a problem | ||
| 2/8/2021 | Listing removed | -- |
Source: Bright MLS #MDGA134390 Report a problem | ||
| 2/7/2021 | Pending sale | $829,900$253/sqft |
Source: Bright MLS #MDGA134390 Report a problem | ||
| 2/2/2021 | Listed for sale | $829,900+22.9%$253/sqft |
Source: Bright MLS #MDGA134390 Report a problem | ||
| 3/22/2005 | Sold | $675,000$205/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2026 | $9,566 +9.8% | $758,000 +11.6% |
| 2025 | $8,711 +24.1% | $679,467 +13.1% |
| 2024 | $7,019 +15% | $600,933 +15% |
| 2023 | $6,102 +0.4% | $522,400 +0.4% |
| 2022 | $6,080 +0.4% | $520,567 +0.4% |
| 2021 | $6,059 +0.4% | $518,733 +0.4% |
| 2020 | $6,037 +2.9% | $516,900 |
| 2019 | $5,869 +9.1% | $516,900 +5.9% |
| 2018 | $5,378 +3% | $488,033 +3% |
| 2017 | $5,219 | $473,600 |
| 2016 | -- | $473,600 |
| 2015 | -- | $473,600 -15.2% |
| 2014 | -- | $558,400 |
| 2013 | -- | $558,400 |
| 2012 | -- | $558,400 -22.1% |
| 2011 | -- | $717,200 +1.8% |
| 2010 | -- | $704,720 +1.8% |
| 2009 | -- | $692,190 +1.8% |
| 2008 | -- | $679,660 +8.2% |
| 2007 | -- | $628,070 +8.9% |
| 2006 | -- | $576,480 +9.8% |
| 2005 | -- | $524,890 +262.6% |
| 2004 | -- | $144,770 |
| 2003 | -- | $144,770 |
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: 21541
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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