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1651 Swanton Rd, Swanton, MD, 21561

3beds
2baths
3,640sqft
$639,900
$176price/sqft
$4,433/moest. monthly cost
$177,320/yrincome needed

About This Home

Country Living at Its Finest on 27± Scenic Acres! Nestled among rolling hills and picturesque countryside, this spacious split-foyer home offers the perfect blend of privacy, functionality, and natural beauty. With approximately 730 feet of frontage on Crabtree Creek, you'll enjoy the peaceful sounds of the water and a charming private bridge that welcomes you home each day. The main level features 3 bedrooms and 1 full bath, along with a bright, functional layout highlighted by an incredible oversized gathering room. Boasting soaring wood-plank cathedral ceilings, warm hardwood flooring, and ample space for entertaining, family gatherings, or holiday celebrations, this spectacular room is truly the heart of the home. The finished lower level provides exceptional flexibility with a second full kitchen, full bathroom, and additional living space, making it ideal for extended family, guests, multi-generational living, or potential in-law accommodations. Step outside and experience everything this 27± acre property has to offer. The rolling fields and wooded hillsides create endless opportunities for recreation, hunting, hiking, hobby farming, or simply enjoying the peaceful setting. Best of all, the property is located outside of zoning, giving you the freedom to pursue a variety of residential, agricultural, or business uses. A standout feature is the impressive 30' x 50' detached garage, thoughtfully designed with extra-tall overhead doors, a durable concrete floor, spacious storage loft, and a dedicated office space. Whether you need room for boats, RVs, equipment, classic cars, or want to operate a home-based business, this versatile building is ready to meet your needs. If you've been searching for a property that combines acreage, creek frontage, versatile living space, and an exceptional outbuilding in a breathtaking country setting, this one checks all the boxes. Enjoy the privacy of rural living while still being within a convenient drive to Deep Creek Lake, Wisp Resort, Jennings Randolph Lake, and all area amenities. Opportunities like this are few and far between—schedule your private tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
5/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1988

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 1820

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

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

Features

  • Floor Plan - Traditional
  • Finished area below ground: 1,820
  • Finished area above ground: 1,820

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 3,640
  • Total interior livable area: 3,640 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1201005111
  • Zoning: NOT ZONED
  • Special condition: Standard

Features

  • Levels: Split Foyer,Two
  • Stories: 2
  • Pool features: None
  • Has view: Yes
  • View description: Mountain(s),Panoramic
  • On waterfront: Yes
  • Waterbody name: Crabtree Creek
  • Frontage type: Road Frontage
  • Frontage length: Water Frontage Ft: 730

Lot

  • Lot size: 27.04 Acres
  • Features: Cleared,Sloped,Rural

Parking

  • Total spaces: 8
  • Parking features: Garage Faces Front,Oversized,Attached,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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 WeatherRelatively High

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 $3,235$38,820
Home Insurance *$156$1,872
Property Taxes $579$6,948
Electricity $463$5,565
Total$4,433$53,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,988/yr
40% on housing$132,990/yr
45% on housing$118,213/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

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 21561$235
Garrett County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 21561
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
2026-06-26Listed for sale$639,900

For Sale by Agent

AgentJustin Liller
BrokerageRailey Realty, Inc.

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