Rare opportunity! Former Kaine Homes model offering four finished levels, flexible living space, and an unbeatable location on the Calvert County / Anne Arundel County line. This impressive 6-bedroom, 4.5-bath home features a dramatic two-story foyer and family room with floor-to-ceiling windows and stone gas fireplace, hardwood floors, and a private library with French doors and built-ins. The gourmet kitchen opens to the family room and includes granite counters, gas cooktop, built in microwave and wall oven, dishwasher, two walk-in pantries, and generous counter seating, plus a breakfast room leading to maintenance-free decking overlooking trees. The main level also includes a formal dining room, elegant sitting area/living room, and convenient guest half bath, creating the perfect layout for everyday living and entertaining. The upper level primary suite offers a private bath, tray ceiling, sitting area with built-ins, walk-in closet plus two additional closets. Three additional spacious bedrooms complete the level, including two bedrooms connected by a Jack-and-Jill bath, each with walk-in closets. A unique four-level layout continues with a private fourth-level suite with bedroom, sitting area, built-ins, and full bath. The lower level apartment with separate entrance features a gourmet kitchen with Thermador commercial gas range, family room, dining area, bedroom, and full bath—ideal for multi-generational living, rental potential, or a home-based business. Don't miss the area off the main level with laundry and mud room, separate entrance and a second office and home gym offering even more potential. See floor plans for the full picture of the layout. Enjoy the wrap-around covered porch with gazebo, professional landscaping, spacious two-car garage, and ample concrete driveway parking. Located in the Northern High School district (Windy Hill Elementary & Middle) and convenient to DC, Annapolis, and Baltimore. Versatile, spacious, and beautifully designed—this home offers endless possibilities! 🏡
For sale
Price cut: $100K (5/4)
$1,100,000
5 Cross Point Dr, Owings, MD 20736
6beds
6,080sqft
Single Family Residence
Built in 1999
1.22 Acres Lot
$1,080,200 Zestimate®
$181/sqft
$-- HOA
What's special
Stone gas fireplaceDramatic two-story foyerProfessional landscapingTwo walk-in pantriesHardwood floorsFormal dining roomGenerous counter seating
- 107 days |
- 638 |
- 25 |
Zillow last checked:
Listing updated:
Listed by:
Becky King 443-624-3359,
Home Towne Real Estate 8882252736
Source: Bright MLS,MLS#: MDCA2025536
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 6
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Rooms
- Room types: Living Room, Dining Room, Primary Bedroom, Sitting Room, Bedroom 2, Bedroom 3, Bedroom 4, Bedroom 5, Kitchen, Family Room, Library, Foyer, Breakfast Room, Exercise Room, In-Law/auPair/Suite, Office, Recreation Room, Storage Room, Bedroom 6, Bathroom 2, Bonus Room, Primary Bathroom, Full Bath, Half Bath
Primary bedroom
- Features: Built-in Features, Cathedral/Vaulted Ceiling, Ceiling Fan(s), Crown Molding, Flooring - HardWood, Primary Bedroom - Sitting Area, Walk-In Closet(s)
- Level: Upper
- Area: 570 Square Feet
- Dimensions: 30 X 19
Bedroom 2
- Features: Flooring - HardWood
- Level: Upper
- Area: 1572 Square Feet
- Dimensions: 131 X 12
Bedroom 3
- Features: Flooring - HardWood, Jack and Jill Bathroom, Walk-In Closet(s)
- Level: Upper
- Area: 156 Square Feet
- Dimensions: 12 X 13
Bedroom 4
- Features: Flooring - HardWood, Jack and Jill Bathroom, Walk-In Closet(s)
- Level: Upper
- Area: 156 Square Feet
- Dimensions: 13 X 12
Bedroom 5
- Features: Flooring - Ceramic Tile
- Level: Lower
- Area: 234 Square Feet
- Dimensions: 13 X 18
Bedroom 6
- Level: Upper
Primary bathroom
- Features: Bathroom - Jetted Tub, Bathroom - Walk-In Shower, Built-in Features, Double Sink, Flooring - Ceramic Tile, Flooring - Tile/Brick
- Level: Upper
- Area: 180 Square Feet
- Dimensions: 15 X 12
Bathroom 2
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 100 Square Feet
- Dimensions: 10 X 10
Bonus room
- Level: Lower
- Area: 100 Square Feet
- Dimensions: 10 X 10
Breakfast room
- Features: Breakfast Room, Flooring - HardWood
- Level: Main
- Area: 108 Square Feet
- Dimensions: 9 X 12
Dining room
- Features: Flooring - HardWood, Chair Rail, Crown Molding
- Level: Main
- Area: 169 Square Feet
- Dimensions: 13 X 13
Dining room
- Features: Flooring - Ceramic Tile
- Level: Lower
- Area: 624 Square Feet
- Dimensions: 26 X 24
Exercise room
- Features: Flooring - Ceramic Tile
- Level: Main
- Area: 418 Square Feet
- Dimensions: 19 X 22
Family room
- Features: Cathedral/Vaulted Ceiling, Fireplace - Gas, Flooring - HardWood, Window Treatments
- Level: Main
- Area: 594 Square Feet
- Dimensions: 22 X 27
Foyer
- Features: Flooring - HardWood
- Level: Main
- Area: 117 Square Feet
- Dimensions: 9 X 13
Other
- Level: Lower
- Area: 45 Square Feet
- Dimensions: 5 X 9
Other
- Features: Bathroom - Tub Shower, Flooring - Ceramic Tile
- Level: Upper
- Area: 64 Square Feet
- Dimensions: 8 X 8
Half bath
- Level: Main
Other
- Features: Built-in Features
- Level: Upper
- Area: 775 Square Feet
- Dimensions: 25 X 31
Kitchen
- Features: Breakfast Bar, Built-in Features, Granite Counters, Crown Molding, Flooring - Ceramic Tile, Kitchen - Propane Cooking, Pantry
- Level: Main
- Area: 456 Square Feet
- Dimensions: 24 X 19
Kitchen
- Features: Flooring - Ceramic Tile
- Level: Lower
- Area: 153 Square Feet
- Dimensions: 9 X 17
Library
- Features: Built-in Features, Crown Molding, Flooring - Carpet, Window Treatments
- Level: Main
- Area: 204 Square Feet
- Dimensions: 17 X 12
Living room
- Features: Crown Molding, Flooring - HardWood
- Level: Main
- Area: 169 Square Feet
- Dimensions: 13 X 13
Mud room
- Features: Built-in Features
- Level: Main
- Area: 60 Square Feet
- Dimensions: 6 X 10
Office
- Features: Flooring - Ceramic Tile
- Level: Main
- Area: 140 Square Feet
- Dimensions: 10 X 14
Recreation room
- Features: Flooring - Carpet
- Level: Lower
- Area: 512 Square Feet
- Dimensions: 16 X 32
Sitting room
- Features: Built-in Features, Cathedral/Vaulted Ceiling, Flooring - HardWood
- Level: Upper
Storage room
- Level: Lower
- Area: 45 Square Feet
- Dimensions: 5 X 9
Heating
- Heat Pump, Electric
Cooling
- Ceiling Fan(s), Central Air, Electric
Appliances
- Included: Microwave, Central Vacuum, Range, Cooktop, Dishwasher, Dryer, Extra Refrigerator/Freezer, Freezer, Ice Maker, Oven, Refrigerator, Six Burner Stove, Washer, Water Heater, Exhaust Fan, Oven/Range - Gas, Range Hood, Stainless Steel Appliance(s), Electric Water Heater
- Laundry: Main Level, Mud Room
Features
- 2nd Kitchen, Bathroom - Walk-In Shower, Breakfast Area, Built-in Features, Ceiling Fan(s), Central Vacuum, Chair Railings, Crown Molding, Dining Area, Double/Dual Staircase, Family Room Off Kitchen, Open Floorplan, Formal/Separate Dining Room, Kitchen - Gourmet, Pantry, Recessed Lighting, Wainscotting, Walk-In Closet(s), Additional Stairway, Floor Plan - Traditional, Primary Bath(s), Upgraded Countertops, 2 Story Ceilings, 9'+ Ceilings, Dry Wall
- Flooring: Hardwood, Ceramic Tile, Carpet, Wood
- Windows: Screens, Window Treatments
- Basement: Interior Entry,Improved,Finished,Heated,Full,Partial,Connecting Stairway,Exterior Entry,Windows
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
Interior area
- Total structure area: 6,080
- Total interior livable area: 6,080 sqft
- Finished area above ground: 4,494
- Finished area below ground: 1,586
Property
Parking
- Total spaces: 9
- Parking features: Garage Faces Side, Garage Door Opener, Concrete, Private, Driveway, Attached
- Attached garage spaces: 2
- Uncovered spaces: 7
- Details: Garage Sqft: 689
Accessibility
- Accessibility features: None
Features
- Levels: Four
- Stories: 4
- Patio & porch: Deck, Wrap Around, Patio, Porch
- Exterior features: Sidewalks, Lighting
- Pool features: None
- Spa features: Bath
- Has view: Yes
- View description: Trees/Woods, Street
- Frontage type: Road Frontage
Lot
- Size: 1.22 Acres
- Features: Backs to Trees, Wooded, Cleared, Corner Lot, Front Yard, Landscaped, Level, Premium, Rear Yard, SideYard(s)
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 0503154297
- Zoning: R-1
- Special conditions: Standard
- Other equipment: Negotiable
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Colonial,Traditional
- Property subtype: Single Family Residence
Materials
- Stone, Vinyl Siding
- Foundation: Concrete Perimeter
- Roof: Shingle
Condition
- Excellent
- New construction: No
- Year built: 1999
Details
- Builder model: Buchanan
- Builder name: Kaine Homes
Utilities & green energy
- Sewer: Private Septic Tank
- Water: Public
- Utilities for property: Cable Available, Electricity Available, Phone Available, Propane
Community & HOA
Community
- Security: Exterior Cameras
- Subdivision: Cross Point
HOA
- Has HOA: No
Location
- Region: Owings
Financial & listing details
- Price per square foot: $181/sqft
- Tax assessed value: $791,300
- Annual tax amount: $8,630
- Date on market: 3/13/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,Private Financing Available
- Ownership: Fee Simple
Estimated market value
$1,080,200
$1.03M - $1.13M
$5,526/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/4/2026 | Price change | $1,100,000-8.3%$181/sqft |
Source:  Bright MLS #MDCA2025536 Report a problem | ||
| 3/13/2026 | Listed for sale | $1,200,000+4.3%$197/sqft |
Source: Bright MLS #MDCA2025536 Report a problem | ||
| 9/2/2025 | Listing removed | $1,150,000$189/sqft |
Source: Bright MLS #MDCA2021382 Report a problem | ||
| 5/29/2025 | Price change | $1,150,000-4.2%$189/sqft |
Source: Bright MLS #MDCA2019742 Report a problem | ||
| 2/21/2025 | Listed for sale | $1,200,000+87.5%$197/sqft |
Source: Bright MLS #MDCA2019742 Report a problem | ||
| 12/22/2003 | Sold | $639,990+892.2%$105/sqft |
Source: Public Record Report a problem | ||
| 9/28/1998 | Sold | $64,500$11/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $8,220 +5.7% | $761,800 +5.7% |
| 2024 | $7,775 +10.2% | $720,533 +6.1% |
| 2023 | $7,058 +6.5% | $679,267 +6.5% |
| 2022 | $6,629 +2.1% | $638,000 +2.1% |
| 2021 | $6,494 +1.6% | $625,000 +2.1% |
| 2020 | $6,389 +1.7% | $612,000 +2.2% |
| 2019 | $6,284 | $599,000 |
| 2018 | $6,284 -1.4% | $599,000 |
| 2017 | $6,373 -0.5% | $599,000 -1.1% |
| 2016 | $6,407 | $605,900 |
| 2015 | $6,407 | $605,900 |
| 2014 | $6,407 | $605,900 -3.3% |
| 2013 | -- | $626,900 |
| 2012 | -- | $626,900 |
| 2011 | -- | $626,900 -16.1% |
| 2010 | -- | $747,640 +6.8% |
| 2009 | -- | $700,070 +7.3% |
| 2008 | -- | $652,500 +7.9% |
| 2007 | -- | $604,930 +14.7% |
| 2006 | -- | $527,262 +17.3% |
| 2005 | -- | $449,596 +20.9% |
| 2004 | -- | $371,930 +3.4% |
| 2003 | -- | $359,820 +3.5% |
| 2002 | -- | $347,710 +3.6% |
| 2001 | -- | $335,600 |
Find assessor info on the county website
Monthly payment
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Payment breakdown
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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.
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Climate risks
Neighborhood: 20736
Nearby schools
GreatSchools rating
- 7/10Windy Hill Elementary SchoolGrades: PK-5Distance: 1.9 mi
- 7/10Windy Hill Middle SchoolGrades: 6-8Distance: 1.9 mi
- 9/10Northern High SchoolGrades: 9-12Distance: 3.2 mi
Schools provided by the listing agent
- Elementary: Windy Hill
- Middle: Windy Hill
- High: Northern
- District: Calvert 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.
A local agent can set up tours, give advice and negotiate with sellers.
- Maryland
- Calvert County
- Owings
- 20736
- 5 Cross Point Dr
Nearby cities
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