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132 Fantasy Valley Ln, Mc Henry, MD, 21541

5beds
5baths
3,220sqft
$695,000
$216price/sqft
$4,509/moest. monthly cost
$180,360/yrincome needed

About This Home

Fantasy Inn offers the cabin feel you've been looking for at Deep Creek Lake. With 5 bedrooms and 2.5 bathrooms spanning over 3200 square feet of living space, this home provides plenty of space to entertain guest and relax in the mountain air setting. Fantasy Valley offers a gated community setting just a short drive from Wisp Resort, Deep Creek Lake, the Youghiogheny River, Fantasy Valley Golf Course and much more. This home is an established vacation rental with Railey Vacations, offering rental revenue to help you enjoy your time at the lake more. Whether you are looking for a vacation home, investment property or primary residence, this home can check many different options for your plans here at the lake. Want to learn more or schedule a private tour? Call today to discuss this special log home!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

9/10
8/10
Northern Middle SchoolGrades 6-88.3 mi
7/10

Construction

Condition

  • Year built: 2015

Materials

  • Foundation: Block
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Chalet
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: In Basement

Basement

  • Area: 1288

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas/Propane
  • Fireplace: Yes
  • Finished area below ground: 1,288
  • Finished area above ground: 1,932

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,220
  • Total interior livable area: 3,220 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1218085003
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Waterfront features: Lake
  • Waterbody name: Deep Creek Lake

Lot

  • Lot size: 0.58 Acres

Parking

  • Total spaces: 5
  • Parking features: Gravel,Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Winter Weather

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,514$42,168
Home Insurance *$168$2,016
Property Taxes $417$5,004
Electricity $410$4,923
Total$4,509$54,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,594/yr
40% on housing$135,270/yr
45% on housing$120,240/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 21541$294
Garrett County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 21541
Garrett County$257

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-17Listed for sale$725,000
2021-11-02Sold$590,000
2021-09-28Pending sale$549,900
2021-09-24Listed for sale$549,900

For Sale by Agent

AgentNick Fratz-Orr
BrokerageRailey Realty, Inc.

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