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16 Cedar Shores Dr #12, Mc Henry, MD, 21541

4beds
3baths
3,123sqft
$659,000
$211price/sqft
$4,605/moest. monthly cost
$184,200/yrincome needed

About This Home

If you are looking for an expansive, lake view/lake access log townhome in the heart of Deep Creek Lake, this is it! Offering three levels of living space, hardwood flooring and two stone fireplaces.  The abundance of windows brings the beauty of Deep Creek Lake in from every level during any season. The spaciousness of this home offers plenty of room to entertain family and friends, and is well suited as a second home or vacation rental.  The exterior space is also very pleasing, with a brand new Trex deck to enjoy the beautiful evenings on while looking at the lake and Wisp Ski Resort. The lower level patio is hot tub ready, and is conveniently located off of the family/recreation room. You are also just steps from the common area waterfront, which allows you to enjoy beautiful Deep Creek Lake. If all of this isn't enough, you are within minutes of restaurants, grocery stores and shopping. Call today to preview this gem!

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

9/10
8/10
Northern Middle SchoolGrades 6-88.4 mi
7/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 2003

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Cedar

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Dryer,Oven/Range - Electric,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Finished,Heated,Exterior Entry,Walk-Out Access

Bedroom1

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

Bedroom2

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 399
  • Dimensions: 19 X 21

Bedroom3

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 169
  • Dimensions: 13 X 13

Bedroom4

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 130
  • Dimensions: 10 X 13

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - HardWood
  • Level: Main

Family Room

  • Features: Fireplace - Gas,Flooring - Carpet
  • Level: Lower
  • Area: 368
  • Dimensions: 16 X 23

Features

  • Dining Area,Entry Level Bedroom,Open Floorplan,Cathedral Ceiling(s),Dry Wall,Wood Walls
  • Door features: Six Panel
  • Window features: Wood Frames
  • Flooring: Carpet,Ceramic Tile,Hardwood,Wood
  • Number of fireplaces: 2
  • Fireplace features: Stone
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,123

Heating & Cooling

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

Interior Area

  • Total structure area: 3,123
  • Total interior livable area: 3,123 sqft

Kitchen

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 288
  • Dimensions: 16 X 18

Living Room

  • Features: Fireplace - Gas,Flooring - HardWood
  • Level: Main
  • Area: 360
  • Dimensions: 15 X 24

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1218074850
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Mountain(s),Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Fishing Allowed,Swimming Allowed,Canoe/Kayak,Lake
  • Waterbody name: Deep Creek Lake

Lot

  • Features: Landscaped

Parking

  • Parking features: 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 $3,332$39,984
Home Insurance *$159$1,908
Property Taxes $717$8,604
Electricity $397$4,774
Total$4,605$55,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,885/yr
40% on housing$138,150/yr
45% on housing$122,800/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

$211This 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
2025-10-04Price change$699,000
2025-04-12Listed for sale$739,000
2019-08-21Sold$395,000
2019-07-18Pending sale$425,000
2019-06-20Listed for sale$425,000
2003-11-07Sold$375,000

For Sale by Agent

AgentBetsy Spiker Holcomb
BrokerageTaylor-Made Deep Creek Real Estate, LLC

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