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5 Cross Point Dr , Owings, MD 20736
$1,100,000
Est. Payment: $5,854.66/mo
6 Bed
5 Bath
6080 Sqft
1.22 Acres
Status: active | Days on site: 216
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HOTR1 - 106768
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House Description

Rare opportunity! Former Kaine Homes model offering four finished levels, flexible living space, and an unbeatable location on the Calvert County / Anne Arundel County line. This impressive 6-bedroom, 4.5-bath home features a dramatic two-story foyer and family room with floor-to-ceiling windows and stone gas fireplace, hardwood floors, and a private library with French doors and built-ins. The gourmet kitchen opens to the family room and includes granite counters, gas cooktop, built in microwave and wall oven, dishwasher, two walk-in pantries, and generous counter seating, plus a breakfast room leading to maintenance-free decking overlooking trees. The main level also includes a formal dining room, elegant sitting area/living room, and convenient guest half bath, creating the perfect layout for everyday living and entertaining. The upper level primary suite offers a private bath, tray ceiling, sitting area with built-ins, walk-in closet plus two additional closets. Three additional spacious bedrooms complete the level, including two bedrooms connected by a Jack-and-Jill bath, each with walk-in closets. A unique four-level layout continues with a private fourth-level suite with bedroom, sitting area, built-ins, and full bath. The lower level apartment with separate entrance features a gourmet kitchen with Thermador commercial gas range, family room, dining area, bedroom, and full bath—ideal for multi-generational living, rental potential, or a home-based business. Don't miss the area off the main level with laundry and mud room, separate entrance and a second office and home gym offering even more potential. See floor plans for the full picture of the layout. Enjoy the wrap-around covered porch with gazebo, professional landscaping, spacious two-car garage, and ample concrete driveway parking. Located in the Northern High School district (Windy Hill Elementary & Middle) and convenient to DC, Annapolis, and Baltimore. Versatile, spacious, and beautifully designed—this home offers endless possibilities! 🏡

Highlights

Listed by Rebecca C King , 4436243359 Home Towne Real Estate , 4102869632. Bright MLS

Property Type

Residential

Lot/Acreage
1.22

Year Built

1999

County

Calvert

Neighborhood

Cross Point

School District

Calvert County Public Schools

Listing ID

MDCA2025536

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Interior Features

Bedrooms and Bathrooms
  • â–Ş Bedrooms:6
  • â–Ş Bathrooms:5
  • â–Ş Full Bathrooms:4
  • â–Ş 1/2 Bathrooms:1
Appliances:Built-In Microwave, Central Vacuum, Commercial Range, Cooktop, Dishwasher, Dryer - Electric, Dryer - Front Loading, Extra Refrigerator/Freezer, Freezer, Icemaker, Oven - Wall, Refrigerator, Six Burner Stove, Washer - Front Loading, Water Heater, Exhaust Fan, Oven/Range - Gas, Range Hood, Stainless Steel Appliances, Negotiable
Air Cond:Ceiling Fan(s),Central A/C
Fireplaces:Gas/Propane,1 Fireplace
Floor:Hardwood,Ceramic Tile
Above Ground Sq Ft:4494
Below Ground Sq Ft:1586
Basement:Interior Access,Improved,Fully Finished,Heated,Full,Daylight,Partial,Connecting Stairway,Outside Entrance,Windows
Other:
  • â–Ş Additional:2nd Kitchen, Bathroom - Walk-In Shower, Breakfast Area, Built-Ins, Carpet, Ceiling Fan(s), Central Vacuum, Chair Railings, Crown Moldings, Dining Area, Double/Dual Staircase, Family Room Off Kitchen, Floor Plan - Open, Formal/Separate Dining Room, Kitchen - Gourmet, Pantry, Recessed Lighting, Wainscotting, Walk-in Closet(s), Window Treatments, Wood Floors, Additional Stairway, Bathroom - Jetted Tub, Floor Plan - Traditional, Primary Bath(s), Upgraded Countertops, No Pet Restrictions, Pets Allowed
Water:Public

Exterior Features

Lot:Backs to Trees,Trees/Wooded,Cleared,Corner,Front Yard,Landscaping,Level,Partly Wooded,Premium,Rear Yard,Road Frontage,SideYard(s),Not New Construction,Horse Property: No
Garage Capacity:9
Zoning:R-1
Roof:Shingle
Others:
  • â–Ş Additional:Sidewalks, Exterior Lighting, Excellent
Sewer:Private Septic Tank
Parking Features:Concrete Driveway,Private,Garage - Side Entry,Garage Door Opener,Driveway,Attached Garage,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$5,855
Taxes
$719

Home Price

$1,100,000

Loan Details

30 yrs
7%

Down Payment

20%
$220,000
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:
$5,854.66

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,854.66 $719.17 $0.00 $6,573.83
Yearly $70,255.94 $8,630.00 $0.00 $78,885.94
Total $2,107,678.30 $258,900.00 $0.00 $2,366,578.30
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Owings, 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: 2026-11-13T21:11:33.000Z

© 2026 Bright MLS