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109 Poland Heights Ln , Swanton, MD 21561
$675,000
Est. Payment: $3,706.49/mo
3 Bed
2 Bath
1650 Sqft
0.58 Acres
Status: active | Days on site: 95
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RLR1 - 3089882
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

Welcome to Morning Light, a beautifully appointed 3-bedroom, 2-bath mountain retreat located in the prestigious Thousand Acres community at Deep Creek Lake. Perfectly positioned along Hole #3 of the Thousand Acres Golf Course, this home offers peaceful golf course views, quality finishes, and a thoughtfully designed open floor plan that's ideal for entertaining or relaxing. Interior highlights include a stunning stone fireplace, spacious kitchen and living area, loft, private primary suite, and a sauna for year-round enjoyment. Outside, unwind on the expansive deck, gather around the outdoor fire pit, or soak in the hot tub after a day of adventure. Conveniently located just minutes from Deep Creek Lake, Deep Creek Lake State Park, restaurants, marinas, and other area attractions, this property offers the perfect blend of privacy, comfort, and easy access to everything the lake has to offer. Whether you're searching for a full-time residence, vacation getaway, or investment opportunity, this exceptional home is ready to impress!
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Highlights

Listed by Nick Fratz-Orr , 3016160473 Railey Realty, Inc. , 3013872000. Bright MLS

Property Type

Residential
Lot/Acreage
0.58

HOA Fee

400 Annually

Year Built

2021

County

Garrett

 Neighborhood

Thousand Acres

 School District

Garrett County Public Schools

Listing ID

MDGA2012472

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Central A/C
Fireplaces:Stone,1 Fireplace
Above Ground Sq Ft:1650
Other:
  • ▪ Main Floor Bedrooms:3
Water:Well

Exterior Features

Lot:Canoe/Kayak,Fishing Allowed,Not New Construction,Horse Property: No
Garage Capacity:4
Zoning:R
Others:
  • ▪ Additional:Common Grounds, Golf Course, Non-Lake Recreational Area, Pickleball Courts, Tennis Courts, Water/Lake Privileges, Common Area Maintenance, Management, Road Maintenance, Snow Removal
Sewer:Public Sewer
Parking Features:Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$3,706
Taxes
$553
HOA
$400

Home Price

$675,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$135,000
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:
$3,706.49

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,706.49 $553.08 $400.00 $4,659.57
Yearly $44,477.85 $6,637.00 $4,800.00 $55,914.85
Total $1,334,335.59 $199,110.00 $144,000.00 $1,677,445.59
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Swanton, 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: 2026-11-14T03:13:49.000Z

© 2026 Bright MLS