A magnificent waterfront retreat in The Reserve at Holy Cross on the shores of Deep Creek Lake, representing the pinnacle of lake life living. This incomparable estate captures the essence of refined waterfront with a private dock, expansive outdoor entertaining spaces, and tranquil lakeside ambiance. Featuring 7 total bedrooms, 5 of which are en-suites, this home was thoughtfully designed with privacy, comfort, and flexibility in mind. Nature and luxury converge in perfect harmony with beautifully landscaped grounds creating an unmatched backdrop for lakefront gatherings, comfort and peace of mind.
Sold for $3,375,000
$3,375,000
870 Holy Cross Dr, Oakland, MD 21550
7beds
5,681sqft
Single Family Residence
Built in 2007
1.32 Acres Lot
$3,338,300 Zestimate®
$594/sqft
$4,377 Estimated rent
Home value
$3,338,300
$2.67M - $4.17M
$4,377/mo
Zestimate® history
Owner options
List your home for rent
$4,377/mo
Rent Zestimate®
Find your next renter with Zillow Rental Manager. Plus, with online applications, you can quickly screen prospective tenants – for free.
$4,377/mo
Rent Zestimate®
Refinance and save
$17,103/mo
Est. payment
Refinancing to a lower rate could help reduce your monthly payments and save thousands over the life of the loan.
$17,103/mo
Est. payment
Explore your selling options
Work with a Zillow partner agent
Leverage their expertise and Zillow's premium Showcase listings to get your home seen by more buyers.
Get startedList with your own agent
Get your home in front of millions of buyers by listing it on Zillow.
Learn how to do itSell it yourself
Take full control of how buyers see your home on Zillow by listing For Sale by Owner (FSBO).
List your homeWhat's special
Tranquil lakeside ambianceExpansive outdoor entertaining spacesPrivate dockBeautifully landscaped grounds
Zillow last checked:
Listing updated:
Listed by:
Russell Bounds 301-501-1000,
Railey Realty, Inc.,
Co-Listing Agent: Jessica Elizabeth Railey 240-442-7262,
Railey Realty, Inc.
Bought with:
Jeremy Cunningham, BR200200539
Berkshire Hathaway HomeServices PenFed Realty
Source: Bright MLS,MLS#: MDGA2010368
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 7
- Bathrooms: 7
- Full bathrooms: 6
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Rooms
- Room types: Living Room, Dining Room, Primary Bedroom, Kitchen, Family Room, Foyer, Laundry, Loft, Storage Room, Utility Room, Primary Bathroom, Full Bath, Half Bath, Additional Bedroom
Primary bedroom
- Level: Upper
Primary bedroom
- Level: Upper
Primary bedroom
- Level: Upper
Primary bedroom
- Level: Main
Primary bedroom
- Level: Lower
Other
- Level: Lower
Other
- Level: Lower
Primary bathroom
- Level: Upper
Primary bathroom
- Level: Upper
Primary bathroom
- Level: Upper
Primary bathroom
- Level: Main
Primary bathroom
- Level: Lower
Dining room
- Level: Main
Family room
- Level: Lower
Foyer
- Level: Main
Other
- Level: Lower
Half bath
- Level: Main
Kitchen
- Level: Main
Laundry
- Level: Main
Living room
- Level: Main
Loft
- Level: Upper
Mud room
- Level: Main
Storage room
- Level: Main
Utility room
- Level: Lower
Heating
- Forced Air, Propane
Cooling
- Central Air, Electric
Appliances
- Included: Microwave, Built-In Range, Range, Dishwasher, Disposal, Dryer, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Washer, Electric Water Heater
- Laundry: Main Level, Laundry Room, Mud Room
Features
- Bar, Combination Dining/Living, Combination Kitchen/Dining, Walk-In Closet(s), Primary Bath(s), Kitchen Island, Kitchen - Gourmet, Open Floorplan, Entry Level Bedroom, Ceiling Fan(s), Bathroom - Tub Shower, Bathroom - Stall Shower, Soaking Tub, 9'+ Ceilings, Dry Wall
- Flooring: Carpet, Ceramic Tile, Wood
- Basement: Connecting Stairway,Full,Finished,Exterior Entry,Walk-Out Access,Windows
- Number of fireplaces: 2
- Fireplace features: Stone
Interior area
- Total structure area: 5,681
- Total interior livable area: 5,681 sqft
- Finished area above ground: 3,680
- Finished area below ground: 2,001
Property
Parking
- Total spaces: 7
- Parking features: Oversized, Driveway, Attached
- Attached garage spaces: 3
- Uncovered spaces: 4
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Patio & porch: Deck, Enclosed, Patio, Porch, Roof
- Exterior features: Extensive Hardscape, Lighting, Flood Lights, Play Area, Play Equipment, Balcony
- Pool features: None
- Has spa: Yes
- Spa features: Bath, Hot Tub
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Private Dock Site, Lake, Boat - Length Limit, Boat - Powered, Canoe/Kayak, Fishing Allowed, Limited hours of Personal Watercraft Operation (PWC), Personal Watercraft (PWC), Private Access, Swimming Allowed, Waterski/Wakeboard
- Body of water: Deep Creek Lake
- Frontage length: Water Frontage Ft: 153
Lot
- Size: 1.32 Acres
Details
- Additional structures: Above Grade, Below Grade, Outbuilding
- Parcel number: 1218081113
- Zoning: LR
- Zoning description: Lake Residential
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Transitional
- Property subtype: Single Family Residence
Materials
- Frame, Composition, Concrete, Masonry, Shake Siding, Stone, Tile, Other
- Foundation: Concrete Perimeter, Stone
- Roof: Asphalt,Shingle
Condition
- Excellent
- New construction: No
- Year built: 2007
Utilities & green energy
- Sewer: Public Sewer
- Water: Well
- Utilities for property: Cable Available, Propane, Cable
Community & HOA
Community
- Subdivision: The Reserve At Holy Cross
HOA
- Has HOA: Yes
- Services included: Road Maintenance, Snow Removal, Trash
- HOA fee: $500 quarterly
Location
- Region: Oakland
Financial & listing details
- Price per square foot: $594/sqft
- Tax assessed value: $2,658,200
- Annual tax amount: $27,928
- Date on market: 9/23/2025
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
- Road surface type: Paved
Price history
| Date | Event | Price |
|---|---|---|
| 11/13/2025 | Sold | $3,375,000-6.3%$594/sqft |
Source:  Bright MLS #MDGA2010368 Report a problem | ||
| 9/28/2025 | Contingent | $3,600,000$634/sqft |
Source: Bright MLS #MDGA2010368 Report a problem | ||
| 9/23/2025 | Listed for sale | $3,600,000+108.7%$634/sqft |
Source: Bright MLS #MDGA2010368 Report a problem | ||
| 12/7/2017 | Sold | $1,725,000-13.3%$304/sqft |
Source: Public Record Report a problem | ||
| 7/1/2017 | Price change | $1,990,000-13.5%$350/sqft |
Source: Railey Realty, Inc. #GA9872433 Report a problem | ||
| 2/27/2017 | Listed for sale | $2,300,000-8%$405/sqft |
Source: Railey Realty Inc. #GA9872433 Report a problem | ||
| 11/16/2016 | Listing removed | $2,499,000$440/sqft |
Source: Railey Realty Inc. #GA9628816 Report a problem | ||
| 7/8/2016 | Price change | $2,499,000-5.7%$440/sqft |
Source: Railey Realty Inc. #GA9628816 Report a problem | ||
| 5/13/2016 | Price change | $2,650,000-18.5%$466/sqft |
Source: Railey Realty Inc. #GA9628816 Report a problem | ||
| 4/15/2016 | Listed for sale | $3,250,000+10.2%$572/sqft |
Source: Railey Realty Inc. #GA9628816 Report a problem | ||
| 11/30/2015 | Listing removed | $2,950,000$519/sqft |
Source: Railey Realty Inc. #GA8459215 Report a problem | ||
| 9/18/2015 | Price change | $2,950,000-9.2%$519/sqft |
Source: Railey Realty Inc. #GA8459215 Report a problem | ||
| 9/19/2014 | Listed for sale | $3,250,000+33.1%$572/sqft |
Source: Railey Realty, Inc. #GA8459215 Report a problem | ||
| 8/16/2007 | Sold | $2,442,400+164%$430/sqft |
Source: Public Record Report a problem | ||
| 3/10/2006 | Sold | $925,000$163/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $31,420 +12.5% | $2,658,200 +11.2% |
| 2024 | $27,928 +12.6% | $2,391,133 +12.6% |
| 2023 | $24,809 +14.4% | $2,124,067 +14.4% |
| 2022 | $21,690 +2.2% | $1,857,000 +2.2% |
| 2021 | $21,219 +2.3% | $1,816,733 +2.3% |
| 2020 | $20,749 +2.3% | $1,776,467 +2.3% |
| 2019 | $20,279 +6.7% | $1,736,200 +0.7% |
| 2018 | $19,002 -0.7% | $1,724,500 -0.7% |
| 2017 | $19,133 | $1,736,200 +2.1% |
| 2016 | -- | $1,701,100 |
| 2015 | -- | $1,701,100 |
| 2014 | -- | $1,701,100 -22.7% |
| 2013 | -- | $2,199,600 |
| 2012 | -- | $2,199,600 |
| 2011 | -- | $2,199,600 -1.7% |
| 2010 | -- | $2,236,850 +8.9% |
| 2009 | -- | $2,054,802 +9.7% |
| 2008 | -- | $1,872,756 +249% |
| 2007 | -- | $536,670 +15.8% |
| 2006 | -- | $463,540 +20.2% |
| 2005 | -- | $385,660 |
Find assessor info on the county website
Neighborhood: 21550
Nearby homes
- $6,511,900-- bd8 ba8.6k sqft902 Holy Cross Dr, Oakland, MD 21550Off Market
- $4,354,3005 bd8 ba6.9k sqft920 Holy Cross Dr, Oakland, MD 21550Off Market
- $3,306,500-- bd6 ba3.5k sqft842 Holy Cross Dr, Oakland, MD 21550Off Market
- $---- bd-- ba-- sqft870 Reserve Dr, Oakland, MD 21550Off Market
- $4,052,500-- bd8 ba3.8k sqft942 Holy Cross Dr, Oakland, MD 21550Off Market
- $2,181,600-- bd5 ba2.8k sqft897 Holy Cross Dr, Oakland, MD 21550Off Market
- $4,840,700-- bd7 ba6.4k sqft948 Holy Cross Dr, Oakland, MD 21550Off Market
- $1,850,0003 bd4 ba3.4k sqft971 Holy Cross Dr, Oakland, MD 21550Sold
Nearby schools
GreatSchools rating
- 4/10Broad Ford Elementary SchoolGrades: PK-6Distance: 6.1 mi
- 5/10Southern Garrett High SchoolGrades: 7-12Distance: 7 mi
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.
- Maryland
- Garrett County
- Oakland
- 21550
- 870 Holy Cross Dr
Nearby cities
Nearby zip codes
Other Oakland Topics
