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187 Lower Penn Point Dr , Oakland, MD 21550
$1,425,000
Est. Payment: $7,584.45/mo
3 Bed
2 Bath
1695 Sqft
0.45 Acres
Status: active | Days on site: 104
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RLR1 - 3281128
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from IDX Support, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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House Description

Cozy cottage with split lakefront and Type A dock located in the serene quiet Penn Point Cove. This quaint home has plenty of room for family, guests and entertaining. The covered & heated outdoor deck facing the lake is a great place for morning coffee and evening dinner. The large, bright kitchen & dining area is another great entertaining space with quartz countertops, stainless steel appliances and plenty of room for large family gatherings. The home has 2 bedrooms on the main floor, a roomy living area with fireplace, full bathroom and a bonus sunroom with a wood burning fireplace. Upstairs has a great bunk room bedroom that can easily sleep 4 people, plus another living room and bathroom with a claw foot tub and shower. Beautifully landscaped outdoor area has a firepit space, a detached garage with plenty of storage area and an easy walk to your dock area. Great places to watch some of the best sunsets! This home will convey turnkey furnished with a few seller exceptions. Schedule your tour today, this home has so much to offer.
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Highlights

Listed by Amy Webster Mangum , 3018014365 Railey Realty, Inc. , 3013872000. Bright MLS

Property Type

Residential
Lot/Acreage
0.45

HOA Fee

150 Annually

Year Built

1950

County

Garrett

 Neighborhood

Penn Point

 School District

Garrett County Public Schools

Listing ID

MDGA2012396

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Built-In Microwave, Dishwasher, Dryer - Front Loading, Oven/Range - Electric, Stainless Steel Appliances, Refrigerator, Washer - Front Loading
Above Ground Sq Ft:1695
Basement:Unfinished
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Combination Kitchen/Dining, Combination Kitchen/Living, Entry Level Bedroom, Floor Plan - Open, Wood Floors, Window Treatments, Wet/Dry Bar, Upgraded Countertops
Water:Well

Exterior Features

Lot:Corner,Front Yard,Landscaping,Partly Wooded,Rear Yard,Not New Construction,Horse Property: No,Waterfront
Zoning:R
Roof:Shingle
Others:
  • ▪ Additional:BBQ Grill, Exterior Lighting, Flood Lights, Very Good
Sewer:Septic Exists
Parking Features:Driveway
Principal Interest
$7,584
Taxes
$432
HOA
$150

Home Price

$1,425,000

Loan Details

30 yrs
7%

Down Payment

20%
$285,000
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:
$7,584.45

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $7,584.45 $432.42 $150.00 $8,166.87
Yearly $91,013.38 $5,189.00 $1,800.00 $98,002.38
Total $2,730,401.44 $155,670.00 $54,000.00 $2,940,071.44
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Oakland, 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.

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Data last updated: 2026-11-13T21:11:33.000Z

© 2026 Bright MLS