For sale
$6,499,900
8beds
11,417sqft
47 Holy Cross Cir, Oakland, MD 21550
8beds
11,417sqft
Single family residence
Built in 2016
1.64 Acres
3 Attached garage spaces
$569 price/sqft
$167/mo HOA
What's special
Indoor pool with fountainsFully equipped gymSprawling islandEngineered dnr-approved sea wallMassive walk-in closetLower-level garageThree attached garages
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 ...
- 266 days |
- 3,482 |
- 119 |
Source: Bright MLS,MLS#: MDGA2010560
Travel times
Family Room
Kitchen
Bedroom
Zillow last checked:
Listing updated:
Listed by:
Jon Bell 301-501-0735,
Railey Realty, Inc. 301-387-2000
Source: Bright MLS,MLS#: MDGA2010560
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 8
- Bathrooms: 9
- Full bathrooms: 8
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Rooms
- Room types: Living Room, Dining Room, Primary Bedroom, Bedroom 4, Bedroom 5, Kitchen, Den, Foyer, Sun/Florida Room, Exercise Room, Laundry, Loft, Other, Office, Recreation Room, Utility Room, Bathroom 1, Primary Bathroom, Full Bath, Half Bath
Primary bedroom
- Features: Flooring - HardWood, Ceiling Fan(s)
- Level: Main
- Area: 456 Square Feet
- Dimensions: 24 X 19
Primary bedroom
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Upper
- Area: 135 Square Feet
- Dimensions: 9 X 15
Primary bedroom
- Features: Flooring - HardWood
- Level: Upper
- Area: 132 Square Feet
- Dimensions: 12 X 11
Primary bedroom
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Upper
- Area: 192 Square Feet
- Dimensions: 16 X 12
Primary bedroom
- Features: Flooring - HardWood, Ceiling Fan(s)
- Level: Lower
- Area: 160 Square Feet
- Dimensions: 16 X 10
Primary bedroom
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Lower
- Area: 270 Square Feet
- Dimensions: 15 X 18
Bedroom 4
- Features: Flooring - HardWood
- Level: Upper
- Area: 162 Square Feet
- Dimensions: 18 X 9
Bedroom 5
- Features: Ceiling Fan(s), Flooring - Carpet
- Level: Upper
- Area: 806 Square Feet
- Dimensions: 26 X 31
Primary bathroom
- Features: Flooring - HardWood
- Level: Main
- Area: 247 Square Feet
- Dimensions: 13 X 19
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 117 Square Feet
- Dimensions: 13 X 9
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 35 Square Feet
- Dimensions: 5 X 7
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 99 Square Feet
- Dimensions: 9 X 11
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Lower
- Area: 100 Square Feet
- Dimensions: 10 X 10
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Lower
- Area: 65 Square Feet
- Dimensions: 13 X 5
Bathroom 1
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 81 Square Feet
- Dimensions: 9 X 9
Den
- Features: Flooring - HardWood
- Level: Upper
- Area: 280 Square Feet
- Dimensions: 20 X 14
Dining room
- Features: Flooring - HardWood
- Level: Main
- Area: 240 Square Feet
- Dimensions: 16 X 15
Exercise room
- Features: Ceiling Fan(s)
- Level: Lower
- Area: 414 Square Feet
- Dimensions: 23 X 18
Foyer
- Features: Flooring - HardWood
- Level: Main
- Area: 198 Square Feet
- Dimensions: 11 X 18
Other
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 81 Square Feet
- Dimensions: 9 X 9
Other
- Features: Flooring - Ceramic Tile
- Level: Lower
- Area: 42 Square Feet
- Dimensions: 7 X 6
Half bath
- Features: Flooring - HardWood
- Level: Main
- Area: 42 Square Feet
- Dimensions: 6 X 7
Kitchen
- Features: Flooring - HardWood
- Level: Main
- Area: 351 Square Feet
- Dimensions: 27 X 13
Laundry
- Features: Flooring - Ceramic Tile
- Level: Main
- Area: 210 Square Feet
- Dimensions: 15 X 14
Laundry
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 24 Square Feet
- Dimensions: 8 X 3
Laundry
- Features: Flooring - Ceramic Tile
- Level: Lower
- Area: 156 Square Feet
- Dimensions: 12 X 13
Living room
- Features: Flooring - HardWood, Fireplace - Gas, Wet Bar
- Level: Main
- Area: 960 Square Feet
- Dimensions: 24 X 40
Loft
- Features: Flooring - HardWood
- Level: Upper
- Area: 96 Square Feet
- Dimensions: 12 X 8
Mud room
- Features: Flooring - Ceramic Tile
- Level: Main
- Area: 35 Square Feet
- Dimensions: 7 X 5
Office
- Features: Flooring - HardWood, Fireplace - Gas, Ceiling Fan(s)
- Level: Main
- Area: 182 Square Feet
- Dimensions: 14 X 13
Other
- Level: Lower
- Area: 1404 Square Feet
- Dimensions: 52 X 27
Recreation room
- Features: Flooring - HardWood, Fireplace - Gas
- Level: Lower
- Area: 1032 Square Feet
- Dimensions: 24 X 43
Other
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Main
- Area: 361 Square Feet
- Dimensions: 19 X 19
Utility room
- Level: Lower
- Area: 273 Square Feet
- Dimensions: 13 X 21
Heating
- Heat Pump, Radiant, Zoned, Propane
Cooling
- Ceiling Fan(s), Central Air, Electric
Appliances
- Included: Dryer, Washer, Cooktop, Dishwasher, Exhaust Fan, Freezer, Disposal, Microwave, Refrigerator, Extra Refrigerator/Freezer, Ice Maker, Water Dispenser, Water Heater
- Laundry: Lower Level, Main Level, Upper Level, Laundry Room, Mud Room
Features
- Ceiling Fan(s), Bar, Wine Storage, Open Floorplan
- Flooring: Hardwood, Wood
- Windows: Screens, Window Treatments
- Basement: Finished,Walk-Out Access,Windows,Connecting Stairway
- Number of fireplaces: 3
- Fireplace features: Gas/Propane
Interior area
- Total structure area: 11,648
- Total interior livable area: 11,417 sqft
- Finished area above ground: 7,617
- Finished area below ground: 3,800
Property
Parking
- Total spaces: 3
- Parking features: Garage Faces Front, Driveway, Attached
- Attached garage spaces: 3
- Has uncovered spaces: Yes
- Details: Garage Sqft: 1000
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Patio & porch: Deck, Patio
- Exterior features: Outdoor Shower, Balcony
- Has private pool: Yes
- Pool features: Indoor, Private
- Has spa: Yes
- Spa features: Hot Tub
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Private Dock Site, Lake, Boat - Powered, Canoe/Kayak, Fishing Allowed, Swimming Allowed, Private Access
- Body of water: Deep Creek Lake
- Frontage length: Water Frontage Ft: 345
Lot
- Size: 1.64 Acres
- Features: Premium
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1218080885
- Zoning: LR
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subtype: Single Family Residence
Materials
- Stone, HardiPlank Type
- Foundation: Permanent
Condition
- New construction: No
- Year built: 2016
Utilities & green energy
- Sewer: Public Sewer
- Water: Well
Community & HOA
Community
- Security: Electric Alarm
- Subdivision: Reserve At Holy Cross
HOA
- Has HOA: Yes
- Amenities included: Water/Lake Privileges
- Services included: Road Maintenance, Snow Removal, Trash
- HOA fee: $2,000 annually
Location
- Region: Oakland
Financial & listing details
- Price per square foot: $569/sqft
- Tax assessed value: $4,569,600
- Annual tax amount: $50,098
- Date on market: 10/24/2025
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Price history
| Date | Event | Price |
|---|---|---|
| 10/24/2025 | Listed for sale | $6,499,900+400%$569/sqft |
Source:  Bright MLS #MDGA2010560 Report a problem | ||
| 9/3/2008 | Sold | $1,300,000+15.6%$114/sqft |
Source: Public Record Report a problem | ||
| 6/22/2005 | Sold | $1,125,000$99/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $54,013 +7.8% | $4,569,600 +6.5% |
| 2024 | $50,098 +7% | $4,289,200 +7% |
| 2023 | $46,823 +7.5% | $4,008,800 +7.5% |
| 2022 | $43,548 +7.5% | $3,728,400 +7.5% |
| 2021 | $40,506 +8.1% | $3,468,000 +8.1% |
| 2020 | $37,465 +8.8% | $3,207,600 +8.8% |
| 2019 | $34,423 +6% | $2,947,200 |
| 2018 | $32,475 0% | $2,947,200 |
| 2017 | $32,478 | $2,947,200 -3.4% |
| 2016 | -- | $3,051,000 +327.3% |
| 2015 | -- | $714,000 |
| 2014 | -- | $714,000 -27.9% |
| 2013 | -- | $990,000 |
| 2012 | -- | $990,000 |
| 2011 | -- | $990,000 |
| 2010 | -- | $990,000 +14.7% |
| 2009 | -- | $862,920 +17.3% |
| 2008 | -- | $735,840 +20.9% |
| 2007 | -- | $608,760 +14.8% |
| 2006 | -- | $530,220 +17.4% |
| 2005 | -- | $451,680 |
Find assessor info on the county website
Monthly payment
Est. payment
$36,538/mo
Principal & interest
$31875
Property taxes
$4496
HOA Fees
$167
Estimated market value
$5,809,700
$5.52M - $6.10M
$3,704/mo
Climate risks
Explore flood, wildfire, and other predictive climate risk information for this property on First Street®️.
Neighborhood: 21550
Nearby schools
Broad Ford Elementary School
Grades PK-6 • 6.3 miles4/10
GreatSchools® Rating
Test Score Rating
6/10Student Progress Rating
3/10Southern Garrett High School
Grades 7-12 • 7.2 miles5/10
GreatSchools® Rating
Test Score Rating
4/10College Readiness Rating
7/10