Nestled in a quiet cove along central Deep Creek Lake, this charming 3-bedroom, 3-bath chalet offers the perfect blend of comfort, space, and lakefront living. Recently updated throughout, the home features multiple gathering areas, including a spacious great room with a fireplace, and a lower-level rec space complete with a pool table and bunkroom for additional sleeping area. Expansive decking overlooks a large yard leading to your private dock, creating an ideal setting for enjoying days on the water and peaceful lake views. Outdoor amenities include a hot tub and fire pit area, perfect for unwinding after a day of boating or exploring. Detached garage with additional flex use living space above. With its desirable location and efficient layout, "Lake Effect" presents a strong opportunity as a private retreat or income-producing vacation rental. Call today for details!
For sale
$1,399,900
340 S Shore Rd, Swanton, MD 21561
3beds
2,227sqft
Est.:
Condominium
Built in 1989
-- sqft lot
$1,315,000 Zestimate®
$629/sqft
$100/mo HOA
What's special
- 20 days |
- 692 |
- 40 |
Zillow last checked:
Listing updated:
Listed by:
Jon Bell 301-501-0735,
Railey Realty, Inc. 301-387-2000
Source: Bright MLS,MLS#: MDGA2011696
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 1
- Main level bedrooms: 1
Rooms
- Room types: Living Room, Dining Room, Bedroom 2, Bedroom 3, Kitchen, Game Room, Den, Bedroom 1, Laundry, Loft, Bathroom 1, Bathroom 2, Bathroom 3, Bonus Room
Bedroom 1
- Features: Flooring - Carpet
- Level: Main
- Area: 180 Square Feet
- Dimensions: 10 X 18
Bedroom 2
- Features: Flooring - Carpet
- Level: Upper
- Area: 170 Square Feet
- Dimensions: 10 X 17
Bedroom 3
- Features: Flooring - Carpet
- Level: Upper
- Area: 90 Square Feet
- Dimensions: 9 X 10
Bathroom 1
- Features: Bathroom - Tub Shower
- Level: Main
Bathroom 2
- Features: Bathroom - Stall Shower
- Level: Upper
Bathroom 3
- Features: Bathroom - Stall Shower
- Level: Lower
Bonus room
- Level: Lower
Den
- Level: Lower
Dining room
- Features: Flooring - Wood
- Level: Main
- Area: 99 Square Feet
- Dimensions: 9 X 11
Game room
- Level: Lower
Kitchen
- Features: Flooring - Ceramic Tile
- Level: Main
- Area: 72 Square Feet
- Dimensions: 8 X 9
Laundry
- Level: Lower
Living room
- Features: Flooring - Wood, Cathedral/Vaulted Ceiling, Fireplace - Wood Burning, Skylight(s)
- Level: Main
- Area: 285 Square Feet
- Dimensions: 15 X 19
Loft
- Features: Flooring - Carpet
- Level: Upper
- Area: 72 Square Feet
- Dimensions: 6 X 12
Heating
- Other, Electric
Cooling
- Other, Ceiling Fan(s), Ductless, Electric
Appliances
- Included: Oven/Range - Electric, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Electric Water Heater
- Laundry: Lower Level, Laundry Room
Features
- Bathroom - Tub Shower, Bathroom - Stall Shower, Recessed Lighting, Combination Kitchen/Dining, Dining Area, Entry Level Bedroom, Primary Bath(s), Other
- Flooring: Carpet, Wood
- Windows: Skylight(s)
- Basement: Connecting Stairway,Interior Entry,Exterior Entry,Walk-Out Access,Windows
- Number of fireplaces: 1
Interior area
- Total structure area: 2,433
- Total interior livable area: 2,227 sqft
- Finished area above ground: 1,527
- Finished area below ground: 700
Property
Parking
- Parking features: Off Street
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Pool features: None
- Has view: Yes
- View description: Lake, Trees/Woods
- Has water view: Yes
- Water view: Lake
- Waterfront features: Lake
- Body of water: Deep Creek
- Frontage length: Water Frontage Ft: 115
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1218013126
- Zoning: R
- Special conditions: Standard
Construction
Type & style
- Home type: Condo
- Architectural style: Cabin/Lodge,Chalet
- Property subtype: Condominium
Materials
- Frame, Cedar
- Foundation: Other
Condition
- New construction: No
- Year built: 1989
Utilities & green energy
- Sewer: Public Sewer
- Water: Community
Community & HOA
Community
- Condo and coop fee: $100 monthly
- Subdivision: None Available
HOA
- Has HOA: No
- Amenities included: Water/Lake Privileges
- Services included: Snow Removal, Maintenance Grounds, Other
Location
- Region: Swanton
Financial & listing details
- Price per square foot: $629/sqft
- Tax assessed value: $672,033
- Annual tax amount: $7,435
- Date on market: 4/26/2026
- Listing agreement: Exclusive Right To Sell
- Ownership: Condominium
Estimated market value
$1,315,000
$1.25M - $1.38M
$3,142/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/27/2026 | Listed for sale | $1,399,900+218.2%$629/sqft |
Source:  Bright MLS #MDGA2011696 Report a problem | ||
| 4/23/2014 | Sold | $440,000-4.1%$198/sqft |
Source: Public Record Report a problem | ||
| 3/14/2014 | Listed for sale | $459,000-12.6%$206/sqft |
Source: Railey Realty, Inc. #GA8291181 Report a problem | ||
| 11/14/2012 | Listing removed | $524,999$236/sqft |
Source: Railey Realty Report a problem | ||
| 10/6/2012 | Price change | $524,999-4.5%$236/sqft |
Source: Railey Realty Report a problem | ||
| 7/1/2012 | Listed for sale | $549,900+141.2%$247/sqft |
Source: Railey Realty Report a problem | ||
| 10/1/1998 | Sold | $228,000$102/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $7,763 +17.6% | $656,800 +16.2% |
| 2024 | $6,601 +19.4% | $565,167 +19.4% |
| 2023 | $5,531 +24% | $473,533 +24% |
| 2022 | $4,461 +0.8% | $381,900 +0.8% |
| 2021 | $4,423 +0.9% | $378,700 +0.9% |
| 2020 | $4,386 +0.9% | $375,500 +0.9% |
| 2019 | $4,348 +9.5% | $372,300 +3.3% |
| 2018 | $3,971 -3.2% | $360,400 -3.2% |
| 2017 | $4,103 | $372,300 +10.6% |
| 2016 | -- | $336,600 |
| 2015 | -- | $336,600 |
| 2014 | -- | $336,600 -21.2% |
| 2013 | -- | $427,300 |
| 2012 | -- | $427,300 |
| 2011 | -- | $427,300 -1.4% |
| 2010 | -- | $433,580 +5.6% |
| 2009 | -- | $410,622 +5.9% |
| 2008 | -- | $387,666 +6.3% |
| 2007 | -- | $364,710 +9.9% |
| 2006 | -- | $331,890 +11% |
| 2005 | -- | $299,070 +12.3% |
| 2004 | -- | $266,250 +7.9% |
| 2003 | -- | $246,660 +8.6% |
| 2002 | -- | $227,070 +9.4% |
| 2001 | -- | $207,480 |
Find assessor info on the county website
Monthly payment
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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.
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Climate risks
Neighborhood: 21561
Getting around
1 / 100
Car-DependentNearby schools
GreatSchools rating
- 4/10Broad Ford Elementary SchoolGrades: PK-5Distance: 8.2 mi
- 5/10Southern Middle SchoolGrades: 6-8Distance: 8.2 mi
- 5/10Southern Garrett High SchoolGrades: 9-12Distance: 9.1 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.
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.
- Maryland
- Garrett County
- Swanton
- 21561
- 340 S Shore Rd
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