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550 W Mount Harmony Rd , Owings, MD 20736
$419,900
Est. Payment: $2,234.88/mo
3 Bed
3 Bath
2136 Sqft
1.01 Acres
Status: active under contract | Days on site: 3
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KWF4 - 48943
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House Description

Welcome to 550 W Mount Harmony Road! Nestled on a serene, wooded one-acre lot in Calvert County, this beautifully updated home offers a peaceful retreat with inviting living spaces, modern finishes, and plenty of room to enjoy both indoors and out. Conveniently located just two minutes from Route 4 and situated in the sought-after Northern High School district, this property offers a wonderful combination of privacy and accessibility. Move in stress-free, major systems have been updated in the last few years: New complete septic system – 2019 New complete drilled Well, pump, tank - 2020 New Heat pump and air handler system – 2019 New Roof – 2026 New Fridge, Dishwasher, OTR Micro – 2026 From the moment you arrive, the inviting front porch sets the tone, offering an ideal spot for rocking chairs, morning coffee, and taking in the natural beauty of the property. Inside, you'll find 2,136 square feet of thoughtfully designed living space with a layout that offers both room to gather and places to unwind. Fresh paint, new carpet, and luxury vinyl plank flooring add to the home's refreshed appeal. The main level features a cozy, carpeted living room, a dedicated dining area, and a bright, open-concept kitchen and family room filled with natural light. The beautifully updated kitchen features crisp white cabinetry, granite countertops, a deep sink, and new stainless steel appliances, including a refrigerator, dishwasher, and over-the-range microwave (2026). Luxury vinyl plank flooring flows throughout the dining room, kitchen, and family room, tying the spaces together beautifully. A convenient half bath and laundry room with direct access to the attached garage complete the main level. Upstairs, you'll find three bedrooms, including a spacious owner's suite featuring two closets and a private en-suite bathroom. Two additional bedrooms and a full hallway bathroom provide plenty of flexibility for guests, a home office, or additional living needs. Beyond the cosmetic updates, this home offers significant improvements to its major systems, including a complete septic system replacement (2019), a new drilled well, pump, and pressure tank (2020), a new heat pump and air handler system (2019), and a brand-new roof (2026). Step outside to enjoy the rear deck overlooking the surrounding woods, offering a peaceful setting for relaxing, entertaining, or simply enjoying the outdoors. With an attached garage, a full acre of land, and no HOA, this property offers the space and freedom to truly make it your own. If you've been searching for an updated home with major improvements already completed, room to spread out, and a private setting without sacrificing convenience, this one deserves a closer look! Just minutes from Route 4 and located in the Northern school district, 550 W Mount Harmony Road offers so much to appreciate. Schedule your private showing today!

Highlights

Listed by Daniel W Martin , 4104748400 Keller Williams Flagship , 4107297700. Bright MLS

Property Type

Residential

Lot/Acreage
1.01

Year Built

1980

County

Calvert

Neighborhood

None Available

School District

Calvert County Public Schools

Listing ID

MDCA2031410

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Built-In Range, Dishwasher, Dryer, Exhaust Fan, Icemaker, Oven/Range - Electric, Refrigerator, Washer
Air Cond:Ceiling Fan(s),Heat Pump(s)
Fireplaces:Flue for Stove,1 Fireplace
Above Ground Sq Ft:2136
Other:
  • ▪ Additional:Ceiling Fan(s)
Water:Well

Exterior Features

Lot:Not New Construction,Horse Property: No
Garage Capacity:1
Zoning:RUR
Sewer:Private Septic Tank
Parking Features:Garage - Side Entry,Garage Door Opener,Attached Garage,Off Site,Driveway,1+ Spaces
Principal Interest
$2,235
Taxes
$396

Home Price

$419,900

Loan Details

30 yrs
7%

Down Payment

20%
$83,980
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:
$2,234.88

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,234.88 $395.50 $0.00 $2,630.38
Yearly $26,818.61 $4,746.00 $0.00 $31,564.61
Total $804,558.29 $142,380.00 $0.00 $946,938.29
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