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18 Winding Way #18D, Mc Henry, MD, 21541

3beds
3baths
1,536sqft
$369,900
$241price/sqft
$2,642/moest. monthly cost
$105,680/yrincome needed

About This Home

The Best of Both Worlds – Lake Access & Ski In/Ski Out Living! Looking for the perfect Deep Creek Lake getaway with both lake access and ski slope convenience? Welcome to this charming 3-bedroom, 3-bath townhome located in one of the area’s most sought-after communities. Nestled in a park-like setting with beautiful shared lake access and just steps from ski-in/ski-out trails, this home offers year-round recreation right at your doorstep. Inside, you'll find two separate living areas, ideal for entertaining or giving everyone their own space to relax. Step outside onto the expansive back deck—perfect for grilling or enjoying peaceful mountain evenings. Recent updates include Trex-style decking on all balconies and the rear deck, three new Andersen exterior doors, and a mini-split A/C system for added comfort. The kitchen features a newer oven/range and a recently replaced hot water heater and washing machine ensures peace of mind. All of this, just minutes from Deep Creek’s best shopping, dining, and the Wisp Resort’s golf and ski amenities. Whether you're looking for a full-time home, vacation retreat, or investment property, this is your opportunity to own a little slice of heaven in Deep Creek Lake. Don’t miss it—schedule your showing today!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

9/10
8/10
Northern Middle SchoolGrades 6-88.6 mi
7/10

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Block
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Interior Entry,Exterior Entry,Windows

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,536

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Ductless,Electric

Interior Area

  • Total structure area: 1,536
  • Total interior livable area: 1,536 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1218046601
  • Zoning: LR
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Has view: Yes
  • View description: Trees/Woods,Mountain(s)
  • Waterfront features: Canoe/Kayak,Fishing Allowed,Limited hours of Personal Watercraft Operation (PWC),Swimming Allowed,Waterski/Wakeboard,Lake
  • Waterbody name: Deep Creek

Lot

  • Lot size: 1,158 sqft

Parking

  • Total spaces: 2
  • Parking features: Lighted,Paved,Parking Lot

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
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Hail
Lightning
Strong Wind

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 $1,870$22,440
Home Insurance *$89$1,068
Property Taxes $402$4,824
Electricity $281$3,374
Total$2,642$31,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,582/yr
40% on housing$79,260/yr
45% on housing$70,453/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

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 21541$298
Garrett County$209

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
2026-03-28Price change$369,900
2026-02-04Price change$374,900
2026-01-02Listed for sale$379,900
2025-10-18Listing removed$399,900
2025-07-09Listed for sale$399,900
2021-12-20Sold$350,000
2005-06-29Sold$279,000

For Sale by Agent

AgentSean Sober
BrokerageTaylor-Made Deep Creek Real Estate, LLC

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