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725 Candle Tree Ln, Swanton, MD, 21561

2beds
1baths
1,581sqft
$1,150,000
$727price/sqft
$7,483/moest. monthly cost
$299,320/yrincome needed

About This Home

Discover the perfect mountain retreat just a short walk from beautiful Deep Creek Lake. This quintessential cabin sits on 53 private acres bordering the 1,800 acre Deep Creek Lake State Park, offering direct access to endless outdoor recreation-fishing, swimming, boating, hiking, and more. Inside, you’ll find a spacious living/gathering room featuring a stunning floor-to-ceiling stone fireplace, perfect for cozy evenings after a day on the trails. The main level includes a comfortable bedroom, full bath, and a kitchen with plenty of space for family and guests. The upper level features a large bedroom with built-in bunk beds and an open loft area, providing extra sleeping and lounge space. Outside, there is a large two-car garage with electric, ideal for storage or a workshop. The 53 acre property is a rare find, featuring mature, never-harvested timber, 4 wheeler and hiking trails, a pond, and a stream, all teeming with local wildlife. Whether you’re seeking a peaceful getaway, a family compound, or a nature lover’s paradise, this Deep Creek Lake cabin offers unmatched privacy and access to one of Maryland’s most beautiful destinations.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
5/10
Southern Middle SchoolGrades 6-88.4 mi
5/10

Construction

Condition

  • Year built: 1963

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin/Lodge
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Bathroom1

  • Level: Main
  • Area: 72
  • Dimensions: 9 X 8

Bathroom2

  • Level: Upper
  • Area: 168
  • Dimensions: 12 X 14

Bedroom1

  • Level: Main
  • Area: 120
  • Dimensions: 10 X 12

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,581

Heating & Cooling

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

Interior Area

  • Total structure area: 1,581
  • Total interior livable area: 1,581 sqft

Kitchen

  • Level: Main
  • Area: 132
  • Dimensions: 11 X 12

Living Room

  • Level: Main
  • Area: 600
  • Dimensions: 20 X 30

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1218079062
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 53 Acres

Parking

  • Total spaces: 8
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 8

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 $5,815$69,780
Home Insurance *$280$3,360
Property Taxes $1,107$13,284
Electricity $281$3,374
Total$7,483$89,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$256,560/yr
40% on housing$224,490/yr
45% on housing$199,546/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

$727This listing

vs Other Active Listings

Avg $/sqft

ZIP 21561$192
Garrett County$203

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)

No zestimate history available

Price History

DateEventPrice
2025-10-27Listed for sale$1,200,000

For Sale by Agent

AgentAndrew Orr
BrokerageThe KW Collective

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