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12414 Whisper Creek Ct , Charlotte Hall, MD 20622
$739,000
Est. Payment: $4,057.92/mo
5 Bed
3 Bath
3732 Sqft
3 Acres
Status: active | Days on site: 99
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MDAL1 - 69963
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House Description

BACK ON MARKET - VA/FHA FINANCING AVAILABLE. This pristine, turn-key estate is available again. Welcome to 12414 Whisper Creek Ct, a spectacular 5-bedroom, 3-bathroom colonial estate nestled on a private 3-acre lot in Charlotte Hall’s most desirable neighborhood. This residence effortlessly blends timeless elegance with modern eco-efficiency and peaceful country living. From the inviting curb appeal to the massive driveway and 2-car garage, you will feel at home the moment you arrive. Step inside to a sun-drenched, open-concept floor plan featuring soaring ceilings and gleaming hardwood floors. The main level features a spacious open kitchen, fully loaded with premium granite countertops, custom cabinetry, double ovens, and massive counter space. The adjacent family room features a dramatic wall of windows that floods the space with natural light, anchored by a cozy gas fireplace. For ultimate flexibility, the main level includes formal living and dining spaces, plus a main-level bedroom and full bath—perfect for a guest suite or home office. Upstairs, the grand primary suite is a true sanctuary. Relax by your private gas fireplace or melt the day away in the spa-inspired bathroom, featuring a deep soaking tub, separate shower, dual vanities, and a spacious walk-in closet. Three additional oversized bedrooms, a convenient Jack-and-Jill bathroom, and a dedicated upper-level laundry room complete this floor. Looking for more space? The walk-out lower level features a workout area and an expansive unfinished footprint ready for a theater, game room, or future expansion. Outside, your private backyard resort awaits. Spend hot summer days splashing in your private in-ground pool equipped with an exciting water slide, where maintenance is a breeze thanks to a fully protective electric pool cover. The pool area and key parts of the yard are safely enclosed by a maintenance-free fence for effortless protection. Relax on your manicured grounds, kept green and lush by a Rainbird 19-zone irrigation system that can be conveniently programmed and controlled right from your phone app—letting you adjust watering schedules with ease even when you are away. When you need a break from the sun, unwind under the professionally installed canopy, complete with a built-in fan to keep you cool. As the day turns to evening, gather around the cozy firepit for chilly nights. Best of all, this home is built for the future with incredible high-tech upgrades, including a premium Tesla Backup Battery System and solar panels for ultimate energy savings and peace of mind. Premium gutter guards are also installed to keep fall leaves and debris away, making outdoor maintenance completely worry-free. Don't miss out on this rare second opportunity for your clients to own their dream home! Schedule your private tour today.

Highlights

Listed by Bernard A Mizelle , 2404629583 Mid-Atlantic Realty , 2404629583. Bright MLS

Property Type

Residential

Lot/Acreage
3

HOA Fee

350 Annually

Year Built

2004

County

Charles

Neighborhood

Whisper Creek

School District

Charles County Public Schools

Listing ID

MDCH2055452

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Cooktop, Dishwasher, Disposal, Dryer - Electric, ENERGY STAR Clothes Washer, Dual Flush Toilets, Extra Refrigerator/Freezer, Icemaker, Oven - Double, Oven - Self Cleaning, Oven - Wall, Oven/Range - Electric, Refrigerator, Water Heater
Air Cond:Ceiling Fan(s),Central A/C,Dehumidifier,Heat Pump(s),Multi Units,Programmable Thermostat,Solar On Grid
Fireplaces:Double Sided,Gas/Propane,Mantel(s),2 Fireplaces
Floor:Hardwood,Ceramic Tile
Above Ground Sq Ft:3732
Basement:Connecting Stairway,Interior Access,Rough Bath Plumb,Rear Entrance,Outside Entrance,Space For Rooms,Sump Pump,Windows,Shelving,Walkout Stairs
Other:
  • ▪ Main Floor Bedrooms:1
Water:Well

Exterior Features

Lot:Backs to Trees,Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:AC
Others:
  • ▪ Additional:Exterior Lighting, Flood Lights, Gutter System, Outbuilding(s), Secure Storage, Underground Lawn Sprinkler, Lawn Sprinkler, Excellent
Sewer:Private Septic Tank,On Site Septic
Parking Features:Asphalt Driveway,Garage - Side Entry,Attached Garage,Driveway,2+ Spaces,1+ Spaces
Principal Interest
$4,058
Taxes
$724
HOA
$350

Home Price

$739,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$147,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,057.92

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,057.92 $724.25 $350.00 $5,132.17
Yearly $48,695.01 $8,691.00 $4,200.00 $61,586.01
Total $1,460,850.37 $260,730.00 $126,000.00 $1,847,580.37
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Charlotte Hall, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T11:13:36.000Z

© 2026 Bright MLS