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sales rep | Brivity IDX

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31 Holy Cross Cir , Oakland, MD 21550
$4,699,000
Est. Payment: $25,802.65/mo
6 Bed
8 Bath
8654 Sqft
1.44 Acres
Status: active under contract | Days on site: 8
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House Description

Enjoy the beauty of Deep Creek Lake from this luxury custom brick home in The Reserve at Holy Cross, one of the lake’s premier communities. Situated on more than an acre with over 250 feet of lake frontage, the property offers expansive water views, inviting outdoor spaces and over 8,600 square feet of finished living space. A sweeping brick paver driveway, mature landscaping and a covered front entrance set the tone for the warmth and architectural character found throughout. Soaring ceilings, rich wood finishes and a graceful curved staircase welcome you inside. Large windows draw the lake into the main living areas, while an open library loft adds dimension and character to the space. Five fireplaces throughout the home and outdoor living areas provide comfortable gathering places in every season. The kitchen is designed for both everyday use and entertaining, with a six-burner gas range, stainless steel appliances, generous counter space and a large island with seating. An adjoining dining area offers beautiful lake views and an inviting setting for meals and gatherings. Six bedrooms, six full bathrooms and two half baths offer ample accommodations. The main-level bedroom suite includes a fireplace and direct deck access. Upstairs, the primary suite provides a relaxing retreat with a vaulted wood ceiling, exposed beams, a fireplace and a spacious dressing room. Its bathroom features a jetted tub and tiled shower. The custom-built main-level office is a standout feature of the home, showcasing beautifully crafted custom cabinetry and rich wood details. Thoughtfully designed, this inviting space combines a comfortable setting for working from home with the warmth and character found throughout the residence. A library loft lined with bookcases and an upper-level lookout room provide quiet spaces to read or unwind. Above the garage, a generous bonus room with a wet bar and full bathroom offers additional flexibility for guests and entertaining. The finished walkout lower level includes a family room with a fireplace, bar, game area, two bedrooms and a full bathroom. A dedicated theater with tiered seating and detailed woodwork offers a comfortable place to settle in for a movie. The outdoor spaces make the most of the lakefront setting. A covered deck with a fireplace, spacious patios and a pergola-covered outdoor kitchen provide room for dining and gathering. Relax in the hot tub, enjoy an evening around the lakeside fire pit or follow the paver walkway across the gently sloping lawn toward the water. A private dock completes the waterfront experience. With an elevator serving the main living levels, main-level laundry and five garage bays, this home pairs the comforts of everyday living with the enjoyment of a Deep Creek Lake retreat.

Highlights

Listed by Adam Murray , 3016167399 BHHS Touchdown Home Pros Realty , 3013348454. Bright MLS

Property Type

Residential

Lot/Acreage
1.44

HOA Fee

500 Quarterly

Year Built

2009

County

Garrett

Neighborhood

The Reserve At Holy Cross

School District

Garrett County Public Schools

Listing ID

MDGA2013072

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:8
  • ▪ Full Bathrooms:6
  • ▪ 1/2 Bathrooms:2
Appliances:Built-In Microwave, Dishwasher, Disposal, Dryer - Electric, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Stainless Steel Appliances, Washer, Water Heater - Tankless
Air Cond:Central A/C,Ductless/Mini-Split
Fireplaces:Brick,Gas/Propane,Mantel(s),5 Fireplaces
Floor:Carpet,Ceramic Tile,Hardwood
Above Ground Sq Ft:6406
Below Ground Sq Ft:2248
Basement:Fully Finished,Walkout Level
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Additional Stairway, Bathroom - Jetted Tub, Bathroom - Walk-In Shower, Breakfast Area, Ceiling Fan(s), Combination Kitchen/Dining, Curved Staircase, Elevator, Entry Level Bedroom, Kitchen - Gourmet, Kitchen - Island, Primary Bath(s), Wet/Dry Bar, Window Treatments, WhirlPool/HotTub, No Pet Restrictions, Pets Allowed
Water:Well

Exterior Features

Lot:Boat - Powered,Canoe/Kayak,Fishing Allowed,Public Access,Swimming Allowed,Not New Construction,Horse Property: No,Waterfront
Garage Capacity:5
Zoning:R
Roof:Architectural Shingle
Others:
  • ▪ Additional:BBQ Grill, Extensive Hardscape, Exterior Lighting, Hot Tub, Excellent, Road Maintenance, Trash
Sewer:Public Sewer
Parking Features:Brick Driveway,Additional Storage Area,Garage - Front Entry,Garage - Rear Entry,Garage Door Opener,Attached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$25,803
Taxes
$3,553
HOA
$500

Home Price

$4,699,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$939,800
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:
$25,802.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $25,802.65 $3,552.50 $500.00 $29,855.15
Yearly $309,631.75 $42,630.00 $6,000.00 $358,261.75
Total $9,288,952.47 $1,278,900.00 $180,000.00 $10,747,852.47
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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: 2026-11-14T11:13:36.000Z

© 2026 Bright MLS