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32 Hazelhurst Ln, Swanton, MD, 21561

5beds
3baths
3,100sqft
$639,900
$206price/sqft
$4,394/moest. monthly cost
$175,760/yrincome needed

About This Home

Hazelhurst community is on the Southern end of the lake. Here you will find less commercial activity and more peace and quiet to enjoy. This three-level chalet offers 5 bedrooms, with bedrooms on each floor, 3 baths, large living room, dining room, and 2 fireplaces to enjoy. One gas and one wood. An over-sized family/rec room. Large walk-out deck on the main level with views of the lake or the lower level covered patio with a hot tub. Home has been well maintained and is ready to move-in and enjoy. The yard area offers a fire ring, horse shoes and plenty of space for other recreational activities. No boat dock but maybe a swim platform. This is a must-see lakefront opportunity with a great location. Enjoy all four seasons.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

4/10
5/10
Southern Middle SchoolGrades 6-86.8 mi
5/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 2003

Materials

  • Foundation: Brick/Mortar
  • Roof: Architectural Shingle
  • Construction materials: HardiPlank Type,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Microwave,Oven/Range - Electric,Refrigerator,Electric Water Heater
  • Laundry features: Main Level

Basement

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

Bathroom1

  • Level: Main

Bathroom2

  • Level: Upper

Bathroom3

  • Level: Lower

Bedroom1

  • Features: Ceiling Fan(s),Flooring - Carpet
  • Level: Upper
  • Area: 312
  • Dimensions: 13 X 24

Bedroom2

  • Features: Ceiling Fan(s),Flooring - Carpet
  • Level: Main
  • Area: 156
  • Dimensions: 12 X 13

Bedroom3

  • Features: Ceiling Fan(s),Flooring - Carpet
  • Level: Main
  • Area: 156
  • Dimensions: 12 X 13

Bedroom4

  • Features: Ceiling Fan(s),Flooring - Carpet
  • Level: Upper
  • Area: 143
  • Dimensions: 11 X 13

Bedroom5

  • Features: Ceiling Fan(s),Flooring - Carpet
  • Level: Lower
  • Area: 132
  • Dimensions: 11 X 12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 90
  • Dimensions: 9 X 10

Family Room

  • Features: Ceiling Fan(s),Fireplace - Gas,Flooring - Carpet
  • Level: Lower
  • Area: 600
  • Dimensions: 24 X 25

Features

  • Bathroom - Tub Shower,Ceiling Fan(s),Combination Dining/Living,Combination Kitchen/Dining,Combination Kitchen/Living,Entry Level Bedroom,Floor Plan - Traditional,Primary Bath(s),Upgraded Countertops,Wainscotting,Dry Wall,Wood Ceilings,Wood Walls
  • Door features: Six Panel,Sliding Glass
  • Window features: Vinyl Clad,Window Treatments
  • Flooring: Carpet,Ceramic Tile,Hardwood,Wood
  • Number of fireplaces: 2
  • Fireplace features: Glass Doors,Mantel(s),Screen
  • Fireplace: Yes
  • Finished area below ground: 1,240
  • Finished area above ground: 1,860

Foyer

  • Features: Flooring - Ceramic Tile
  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 3,100
  • Total interior livable area: 3,100 sqft

Kitchen

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 130
  • Dimensions: 10 X 13

Living Room

  • Features: Ceiling Fan(s),Fireplace - Wood Burning,Flooring - HardWood
  • Level: Main
  • Area: 280
  • Dimensions: 14 X 20

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1218009854
  • Zoning: R
  • Zoning description: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Patio
  • Has spa: Yes
  • Spa features: Hot Tub
  • Has view: Yes
  • View description: Trees/Woods,Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake,Private Access
  • Waterbody name: Deep Creek Lake
  • Frontage type: Road Frontage
  • Frontage length: Water Frontage Ft: 75

Lot

  • Lot size: 0.83 Acres
  • Features: Corner Lot,Front Yard,Landscaped,Level,Rear Yard,Rural

Parking

  • Parking features: Gravel,Driveway,Off Street
  • Has uncovered spaces: Yes

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 $609$7,308
Electricity $394$4,739
Total$4,394$52,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,651/yr
40% on housing$131,820/yr
45% on housing$117,173/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

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 21561$232
Garrett County$208

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
2026-03-11Price change$669,000
2025-12-07Price change$679,000
2025-10-13Listed for sale$699,000
2020-09-18Sold$458,500
2020-04-17Listing removed$499,000
2020-01-29Price change$499,000
2019-10-18Listed for sale$519,000

For Sale by Agent

AgentDale Carpenter
BrokerageRailey Realty, Inc.

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