Waves & Moguls- Mountain living meets lake lifestyle in this beautifully appointed 5-bedroom, 4.5-bath condominium home. Privately nestled on a quiet hillside cul-de-sac, this fully furnished, turn-key retreat offers three levels of thoughtfully designed living space with two stone fireplaces and views of Deep Creek Lake. The spacious floor plan features two private primary suites, generous guest accommodations, a finished walk-out lower level with a recreation room, and a charming crows nest loft. Outdoor living is equally inviting with an expansive upper deck with lake views, a private lower patio, and a hot tub overlooking the surrounding landscape. New roof installed in June of 2026. Whether you're seeking a luxury vacation home, an income-producing investment, or a year-round residence, this exceptional property offers the perfect blend of comfort, style, and convenience just minutes from marinas, dining, shopping, Wisp Resort, and endless four-season recreation.
For sale
$605,000
104 Roman Ridge Rd Unit 21, Oakland, MD 21550
5beds
2,582sqft
Condominium
Built in 2003
-- sqft lot
$573,300 Zestimate®
$234/sqft
$400/mo HOA
What's special
Two stone fireplacesFully furnished turn-key retreatCharming crows nest loftPrivate lower patioGenerous guest accommodationsTwo private primary suitesSpacious floor plan
- 1 day |
- 144 |
- 7 |
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Amy Skipper 301-501-1532,
Railey Realty, Inc. 301-387-2000,
Co-Listing Agent: Kelsey Lynn Meyers 814-279-8338,
Railey Realty, Inc.
Source: Bright MLS,MLS#: MDGA2012268
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Rooms
- Room types: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Foyer, Bedroom 1, Loft, Utility Room, Bathroom 1, Bathroom 2, Primary Bathroom, Half Bath
Primary bedroom
- Features: Ceiling Fan(s), Flooring - Carpet
- Level: Main
- Area: 168 Square Feet
- Dimensions: 14 X 12
Primary bedroom
- Features: Flooring - Carpet, Cathedral/Vaulted Ceiling, Ceiling Fan(s)
- Level: Upper
- Area: 156 Square Feet
- Dimensions: 13 X 12
Bedroom 1
- Features: Ceiling Fan(s)
- Level: Lower
- Area: 168 Square Feet
- Dimensions: 12 X 14
Bedroom 2
- Features: Ceiling Fan(s)
- Level: Upper
- Area: 150 Square Feet
- Dimensions: 15 X 10
Bedroom 3
- Features: Ceiling Fan(s)
- Level: Upper
- Area: 156 Square Feet
- Dimensions: 13 X 12
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Main
- Area: 84 Square Feet
- Dimensions: 12 X 7
Primary bathroom
- Features: Countertop(s) - Ceramic
- Level: Upper
- Area: 40 Square Feet
- Dimensions: 5 X 8
Bathroom 1
- Level: Lower
- Area: 40 Square Feet
- Dimensions: 8 X 5
Bathroom 2
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 24 Square Feet
- Dimensions: 6 X 4
Dining room
- Features: Flooring - Laminated
- Level: Main
- Area: 132 Square Feet
- Dimensions: 11 X 12
Family room
- Features: Ceiling Fan(s), Fireplace - Gas
- Level: Lower
- Area: 513 Square Feet
- Dimensions: 19 X 27
Foyer
- Features: Flooring - Laminated
- Level: Main
- Area: 36 Square Feet
- Dimensions: 9 X 4
Half bath
- Features: Flooring - Laminated
- Level: Main
- Area: 30 Square Feet
- Dimensions: 5 X 6
Kitchen
- Features: Flooring - Laminated
- Level: Main
- Area: 100 Square Feet
- Dimensions: 10 X 10
Living room
- Features: Fireplace - Gas, Flooring - Laminated, Living/Dining Room Combo
- Level: Main
Loft
- Features: Flooring - Carpet
- Level: Upper
- Area: 120 Square Feet
- Dimensions: 10 X 12
Utility room
- Level: Lower
- Area: 60 Square Feet
- Dimensions: 5 X 12
Heating
- Forced Air, Propane
Cooling
- Central Air, Electric
Appliances
- Included: Dishwasher, Disposal, Microwave, Refrigerator, Washer/Dryer Stacked, Electric Water Heater
Features
- Ceiling Fan(s), Open Floorplan, High Ceilings, Vaulted Ceiling(s), Dry Wall
- Flooring: Carpet
- Has basement: No
- Number of fireplaces: 2
- Fireplace features: Gas/Propane, Glass Doors, Mantel(s)
Interior area
- Total structure area: 2,582
- Total interior livable area: 2,582 sqft
- Finished area above ground: 1,626
- Finished area below ground: 956
Property
Parking
- Parking features: Off Street
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Pool features: None
- Has view: Yes
- View description: Lake, Mountain(s), Trees/Woods
- Has water view: Yes
- Water view: Lake
Lot
- Features: Cul-De-Sac
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1218056445
- Zoning: R
- Special conditions: Standard
Construction
Type & style
- Home type: Condo
- Architectural style: Chalet,Other,Contemporary
- Property subtype: Condominium
Materials
- Frame
- Foundation: Permanent
- Roof: Shingle
Condition
- New construction: No
- Year built: 2003
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Condo and coop fee: $400 monthly
- Subdivision: Roman Ridge
HOA
- Has HOA: No
- Amenities included: Other
- Services included: Road Maintenance, Snow Removal, Trash
- HOA name: Roman Ridge At Traders Landing
Location
- Region: Oakland
Financial & listing details
- Price per square foot: $234/sqft
- Tax assessed value: $466,267
- Annual tax amount: $5,024
- Date on market: 7/10/2026
- Listing agreement: Exclusive Right To Sell
- Ownership: Condominium
Estimated market value
$573,300
$545,000 - $602,000
$3,123/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/10/2026 | Listed for sale | $605,000+10%$234/sqft |
Source:  Bright MLS #MDGA2012268 Report a problem | ||
| 10/18/2024 | Sold | $550,000-1.8%$213/sqft |
Source: Bright MLS #MDGA2007834 Report a problem | ||
| 8/19/2024 | Pending sale | $559,900$217/sqft |
Source: Bright MLS #MDGA2007834 Report a problem | ||
| 8/2/2024 | Listed for sale | $559,900+33.3%$217/sqft |
Source: Bright MLS #MDGA2007834 Report a problem | ||
| 8/14/2020 | Sold | $420,000-17.2%$163/sqft |
Source: Public Record Report a problem | ||
| 2/15/2007 | Sold | $507,500+48.4%$197/sqft |
Source: Public Record Report a problem | ||
| 5/15/2003 | Sold | $341,965$132/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,690 +17.9% | $443,800 +7.4% |
| 2024 | $4,828 +8% | $413,333 +8% |
| 2023 | $4,472 +8.6% | $382,867 +8.6% |
| 2022 | $4,116 +2.8% | $352,400 +2.8% |
| 2021 | $4,006 +2.8% | $342,967 +2.8% |
| 2020 | $3,896 +2.9% | $333,533 +2.9% |
| 2019 | $3,785 +6% | $324,100 |
| 2018 | $3,571 0% | $324,100 |
| 2017 | $3,572 | $324,100 -1.3% |
| 2016 | -- | $328,300 |
| 2015 | -- | $328,300 |
| 2014 | -- | $328,300 -17.6% |
| 2013 | -- | $398,200 |
| 2012 | -- | $398,200 |
| 2011 | -- | $398,200 -11.7% |
| 2010 | -- | $450,870 +10.4% |
| 2009 | -- | $408,296 +11.6% |
| 2008 | -- | $365,723 +13.2% |
| 2007 | -- | $323,150 +7.5% |
| 2006 | -- | $300,672 +8.1% |
| 2005 | -- | $278,196 +8.8% |
| 2004 | -- | $255,720 +3.8% |
| 2003 | -- | $246,240 +2138.5% |
| 2002 | -- | $11,000 |
| 2001 | -- | $11,000 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 21550
Nearby schools
GreatSchools rating
- 4/10Broad Ford Elementary SchoolGrades: PK-6Distance: 7.8 mi
- 5/10Southern Garrett High SchoolGrades: 7-12Distance: 8.7 mi
Schools provided by the listing agent
- Middle: Southern
- High: Southern Garrett
- 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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A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
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- Maryland
- Garrett County
- Oakland
- 21550
- 104 Roman Ridge Rd Unit 21
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