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 from nearly every room. The commercial-grade kitchen anchors the main level with a sprawling island, Wolf range, and access to a four-season room that opens fully to the outdoors through custom bi-fold doors. The main-level primary suite spans nearly 900 sq ft with a private balcony, soaking tub, his-and-her vanities, and a massive walk-in closet. Enjoy five fireplaces, an indoor pool with fountains and a full bath, and three levels of outdoor living, including an outdoor kitchen, built-in hot tub with gazebo, outdoor shower, and deck drainage system to keep lower levels dry. Entertain with ease in the rec room with an industrial-style bar, climate-controlled wine cellar, and fully equipped gym. Three attached garages connect to a locker-style mudroom, with a lower-level garage ideal for a side-by-side or lake toys. Radiant heat, a whole-house generator, and three dock slips make this property as functional as it is flawless. A rare opportunity to own a true statement home in one of Deep Creek Lake’s most prestigious communities. Call today for your private tour!
For sale
$6,499,900
47 Holy Cross Cir, Oakland, MD 21550
8beds
11,417sqft
Est.:
Single Family Residence
Built in 2016
1.64 Acres Lot
$5,968,800 Zestimate®
$569/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
- 47 days |
- 2,213 |
- 127 |
Zillow last checked: 8 hours ago
Listing updated: October 28, 2025 at 03:46am
Listed by:
Jon Bell 301-501-0735,
Railey Realty, Inc. 301-387-2000
Source: Bright MLS,MLS#: MDGA2010560
Tour with a local agent
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: 19 x 24
Primary bedroom
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Upper
- Area: 135 Square Feet
- Dimensions: 15 x 9
Primary bedroom
- Features: Flooring - HardWood
- Level: Upper
- Area: 132 Square Feet
- Dimensions: 11 x 12
Primary bedroom
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Upper
- Area: 192 Square Feet
- Dimensions: 12 x 16
Primary bedroom
- Features: Flooring - HardWood, Ceiling Fan(s)
- Level: Lower
- Area: 160 Square Feet
- Dimensions: 10 x 16
Primary bedroom
- Features: Ceiling Fan(s), Flooring - HardWood
- Level: Lower
- Area: 270 Square Feet
- Dimensions: 18 x 15
Bedroom 4
- Features: Flooring - HardWood
- Level: Upper
- Area: 162 Square Feet
- Dimensions: 9 x 18
Bedroom 5
- Features: Ceiling Fan(s), Flooring - Carpet
- Level: Upper
- Area: 806 Square Feet
- Dimensions: 31 x 26
Primary bathroom
- Features: Flooring - HardWood
- Level: Main
- Area: 247 Square Feet
- Dimensions: 19 x 13
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 117 Square Feet
- Dimensions: 9 x 13
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 35 Square Feet
- Dimensions: 7 x 5
Primary bathroom
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 99 Square Feet
- Dimensions: 11 x 9
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: 5 x 13
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: 14 x 20
Dining room
- Features: Flooring - HardWood
- Level: Main
- Area: 240 Square Feet
- Dimensions: 15 x 16
Exercise room
- Features: Ceiling Fan(s)
- Level: Lower
- Area: 414 Square Feet
- Dimensions: 18 x 23
Foyer
- Features: Flooring - HardWood
- Level: Main
- Area: 198 Square Feet
- Dimensions: 18 x 11
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: 6 x 7
Half bath
- Features: Flooring - HardWood
- Level: Main
- Area: 42 Square Feet
- Dimensions: 7 x 6
Kitchen
- Features: Flooring - HardWood
- Level: Main
- Area: 351 Square Feet
- Dimensions: 13 x 27
Laundry
- Features: Flooring - Ceramic Tile
- Level: Main
- Area: 210 Square Feet
- Dimensions: 14 x 15
Laundry
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 24 Square Feet
- Dimensions: 3 x 8
Laundry
- Features: Flooring - Ceramic Tile
- Level: Lower
- Area: 156 Square Feet
- Dimensions: 13 x 12
Living room
- Features: Flooring - HardWood, Fireplace - Gas, Wet Bar
- Level: Main
- Area: 960 Square Feet
- Dimensions: 40 x 24
Loft
- Features: Flooring - HardWood
- Level: Upper
- Area: 96 Square Feet
- Dimensions: 8 x 12
Mud room
- Features: Flooring - Ceramic Tile
- Level: Main
- Area: 35 Square Feet
- Dimensions: 5 x 7
Office
- Features: Flooring - HardWood, Fireplace - Gas, Ceiling Fan(s)
- Level: Main
- Area: 182 Square Feet
- Dimensions: 13 x 14
Other
- Level: Lower
- Area: 1404 Square Feet
- Dimensions: 27 x 52
Recreation room
- Features: Flooring - HardWood, Fireplace - Gas
- Level: Lower
- Area: 1032 Square Feet
- Dimensions: 43 x 24
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: 21 x 13
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
Estimated market value
$5,968,800
$5.67M - $6.27M
$3,354/mo
Price history
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
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $4,569,600 +6.5% |
| 2024 | $50,098 +7% | $4,289,200 +7% |
| 2023 | $46,823 +7.5% | $4,008,800 +7.5% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$39,379/mo
Principal & interest
$32441
Property taxes
$4496
Other costs
$2442
Climate risks
Neighborhood: 21550
Nearby schools
GreatSchools rating
- 4/10Broad Ford Elementary SchoolGrades: PK-5Distance: 6.3 mi
- 5/10Southern Middle SchoolGrades: 6-8Distance: 6.3 mi
- 5/10Southern Garrett High SchoolGrades: 9-12Distance: 7.2 mi
Schools provided by the listing agent
- Middle: Southern
- High: Southern Garrett High
- 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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