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$949,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 3 Full Baths
  • 1 Partial Bath
  • 3,285 Sq. Ft.
  • Updated 2 days ago
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Welcome to 431 Mountaintop Road at Deep Creek Lake! This 5 bedroom, 3.5 bathroom mountain retreat offers over 3200 square feet of finished living space on 3 levels. The Deep Creek Highlands community offers premium amenities including lake access, tennis courts, outdoor pool in the summer seasons and walking trails to a scenic overlook. This home offers a main level bedroom with en-suite bathroom provides layout functionality and convenience, two gas fireplaces for warmth and ambiance in the winter months, a four-seasons screened-in room, paved driveway and a private, mountain feel. New roof and completely repainted interior in 2025! Call today to schedule private tour of this excellent mountain home!

Full Property Details for 431 Mountaintop Rd

General

  • Price: $949,000
  • HOA FEE: $114/month
  • HOA FEE FREQ.: Annually
  • Taxes: $6,102 (2023)
  • Status: Active
  • Type: Single Family
  • Source: BrightMLSMidAtlantic
  • MLS ID: MDGA2012814
  • Updated: 9/30/2026
  • Added to Site: 4 day(s) ago

Interior

  • Fireplace: Yes
  • Number of Fireplaces: 2
  • Fireplace(s): Gas/Propane

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Upper Floor Baths: 1
  • Upper - Full Baths: 1
  • Main Floor Baths: 2
  • Main - Full Baths: 1
  • Main - 1/2 Baths: 1
  • Lower Floor Baths: 1
  • Lower - Full Baths: 1

Bedrooms

  • Total Bedrooms: 5
  • Bedrooms Upper: 2
  • Bedrooms Lower: 2
  • Bedrooms Main & Up: 1

Additional Information

  • Shared Amenities: Common Grounds, Gated Community, Picnic Area, Pier/Dock, Pool - Outdoor, Water/Lake Privileges, Tennis Courts
  • Shared Pool: Yes
  • Pool: Yes

Parking

  • Total Spaces: 5
  • Parking Type: Driveway

Location

  • County: GARRETT
  • Subdivision: DEEP CREEK HIGHLANDS
  • Driving Directions: 431 Mountaintop Road, McHenry, MD in GPS. Gated community.

School Information

  • School District: Garrett County Public Schools

Community

  • Association: Yes
  • Assoc. Fees Include: Common Area Maintenance, Management, Pool(s), Road Maintenance, Security Gate, Snow Removal, Pier/Dock Maintenance

Heating & Cooling

  • Central air: Yes
  • Cooling Type: Central A/C
  • Cooling Fuel: Electric
  • Heating Type: Forced Air
  • Heating Fuel: Propane - Metered
  • Water Heater: Electric

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Dist. to Water: 1 Miles

Structural Information

  • Architectural Style: Chalet
  • Structure Type: Detached
  • Construction: Frame
  • Basement: Yes
  • Basement Desc.: Fully Finished
  • Foundation: Block
  • Roof: Architectural Shingle
  • Stories Description: Lower 1, Main, Upper 1
  • Square Feet: 3,285
  • Sq. Ft. Source: Assessor
  • Living Area: 3,285 Sq. Ft.
  • Finished Above Grnd: 2,024 Sq. Ft.
  • Finished Below Grnd: 1,261 Sq. Ft.
  • Year Built: 2005
  • Year Built Source: Estimated

Unit Information

Unit 1

  • Bathrooms-Lower: 1
  • Bedrooms-Lower: 2

Lot Features

  • Property View: Mountain
  • Lot Size (Acres): 0.57
  • Lot Size (Sq. Ft.): 25,000
  • Lot Size Source: Estimated
  • Street/Road Desc.: Paved
  • Zoning: R

Water Features

  • Navigable Water: Yes
  • Water Access: Yes
  • Water Access Desc: Canoe/Kayak, Fishing Allowed, Private Access
  • Water Front Type: Lake
  • Water Front Name: Deep Creek Lake
  • Docks: 1

Financial Considerations

  • Price Per Sq. Ft.: $468.87
  • Association Fee: $1,367
  • Assoc Fee Freq.: Annually
  • Assessment Year: 2023
  • County Tax: $6,102
  • County Tax Freq: Annually
  • Tax w/Assessment: $522,400
  • Tax Amount: $6,102
  • Tax Year: 2023
  • Tax Total Finished Sq. Ft.: 3285

Disclosures and Reports

  • Ownership: Fee Simple
  • Lot Number: 91

Listed by Railey Realty, Inc., Nick Fratz-Orr

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Listing agent

— 431 Mountaintop Rd —

  • Nick Fratz-Orr

    Railey Realty, Inc.

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 431 Mountaintop Rd

School District:Garrett County Public Schools
NameGradesDistance
Accident Elementary School
534 Accident Bittinger Road, Accident, MD 21520
PK-56.9 mi
Northern Middle School, Accident, MD
371 Pride Parkway, Accident, MD 21520
6-89.4 mi
Northern Garrett High School
86 Pride Parkway, Accident, MD 21520
9-129.6 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 431 Mountaintop Rd Get Price Alerts and Save Property

Date
Details
Price
Change
Source
9/29/2026
Listed
$949,000
12.31%
MLS
3/14/2021
Sold
$845,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 431 Mountaintop Rd

Year
Property Taxes
Change
Tax Assessment
Change
2026
$9,566
10%
$758,000
12%
2025
$8,711
9%
$679,467
13%
2024
$7,980
14%
$600,933
15%
2023
$6,990
15%
$522,400
—
2022
$6,080
-13%
$520,567
—
2020
$7,020
35%
$518,733
—
2017
$5,219
-17%
$516,900
6%
2019
$6,305
8%
$488,033
3%
2018
$5,834
—
$473,600
—
2017
$5,808
—
$473,600
—
2016
$5,808
-16%
$473,600
-15%
2015
$6,879
1%
$558,400
—
2014
$6,824
—
$558,400
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 431 Mountaintop Rd

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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with our affiliated lender
NMLS#: 1598647

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Listed by Railey Realty, Inc., Nick Fratz-Orr

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431 Mountaintop Road, Mc Henry, MD 21541 (MLS# MDGA2012814) is a Single Family property with 5 bedrooms, 3 full bathrooms and 1 partial bathroom. 431 Mountaintop Road is currently listed for $949,000 and was received on September 29, 2026. Want to learn more about 431 Mountaintop Road? Do you have questions about finding other Single Family real estate for sale in Mc Henry? You can browse all Mc Henry real estate or contact a Coldwell Banker agent to request more information.

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