431 Mountaintop Road

Active

$949,000

Est: $5,689/moGet pre-approved

5 beds4 baths3,285 sqft

431 Mountaintop Rd, McHenry, MD 21541

Single FamilyProperty Type

0.57 acresLot Size

2005Year Built

$289/sq ftPrice per sq ft

$1,367/yrHOA Fees

5 carsParking Spaces

Description

Welcome to 431 Mountaintop Road at Deep Creek Lake! This 5 bedroom, 3.5 bathroom mountain retreat offers over 3200 square feet of finished living space on 3 levels. The Deep Creek Highlands community offers premium amenities including lake access, tennis courts, outdoor pool in the summer seasons and walking trails to a scenic overlook. This home offers a main level bedroom with en-suite bathroom provides layout functionality and convenience, two gas fireplaces for warmth and ambiance in the winter...Welcome to 431 Mountaintop Road at Deep Creek Lake! This 5 bedroom, 3.5 bathroom mountain retreat offers over 3200 square feet of finished living space on 3 levels. The Deep Creek Highlands community offers premium amenities including lake access, tennis courts, outdoor pool in the summer seasons and walking trails to a scenic overlook. This home offers a main level bedroom with en-suite bathroom provides layout functionality and convenience, two gas fireplaces for warmth and ambiance in the winter months, a four-seasons screened-in room, paved driveway and a private, mountain feel. New roof and completely repainted interior in 2025! Call today to schedule private tour of this excellent mountain home!

12 days on Market

Listed by: Nick Fratz-Orr 301.616.0473 nick@railey.com • Railey Realty, Inc.

Last updated: 10/07/2026 02:26 PM • Source: BRIGHT, MLS#: MDGA2012814

Location

Listing Courtesy of Railey Realty, Inc.

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$5,689 per month

30 year fixed, 7.03% Interest

Principal and Interest

$5,066

Property Taxes

$509

HOA Dues

$114

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Property Information for 431 Mountaintop Road

Property Details

Taxes: $6,102 / year
MLS Type: Residential / Fee Simple
County: Garrett County
Tax ID Number: 1218075091
Ownership: Fee Simple
Condo Coop Association: No
HOA: Yes
Structure Type: Detached
Style: Chalet
Levels/Stories: 3
Waterfront: No
Views: Mountain
Garage: No
Expected On Market Date: 09-29-2026
Subdivision: DEEP CREEK HIGHLANDS
Subdivision: DEEP CREEK HIGHLANDS (GARRETT MD)
Legal Subdivision: DEEP CREEK HIGHLANDS WEST
Total Parking Spaces: 5
Central Air: Yes
Basement: Yes
Above Grade Finished SQFT: 2,024.00
Below Grade Finished SQFT: 1,261.00
Below Grade Unfinished SQFT: .00
Total Below Grade SQFT: 1,261.00
Total Below Grade SQFT Source: Assessor
New Construction: No

Building Information

Stories: 3
Year Built: 2005
Lot Size: 0.57 AC / 25,000 SF

Location

Location

In City Limits: No
School District Name: GARRETT COUNTY PUBLIC SCHOOLS

School District County ID: 121139907558
County: GARRETT

Waterfront / Water Access

Waterfront / Water Access

Water View: No
Water Access: Yes

Water Access Features: Canoe/Kayak, Fishing Allowed, Private Access
Water Oriented: Yes
Navigable Water: Yes
Tidal Water: No
Water Body Name: Deep Creek Lake
Water Body Type: Lake
Docks Count: 1
Dock Type and Features: None
Slips Count: 0
Distance To Body Of Water: 1.00
Distance To Body Of Water Units: Miles

Association / Community Info

Association / Community Info

HOA Condo Coop Fee Includes: Common Area Maintenance, Management, Pool(s), Road Maintenance, Security Gate, Snow Removal, Pier/Dock Maintenance
HOA Condo Coop Amenities: Common Grounds, Gated Community, Picnic Area, Pier/Dock, Pool - Outdoor, Water/Lake Privileges, Tennis Courts

Senior Community: No
Type of Condo: Home Owner Association

Taxes and Assessment

Taxes and Assessment

Tax Year: 2023
Tax Assessed Value: $522,400

Year Assessed: 2023
County Tax: $6,102
Improvement Assessed Value: $412,400
Land Assessed Value: $110,000
Municipal Trash: No
Land Use Code: R
Zoning: R
Tax Lot: 0091
Automatically Update Tax Values Y/N: Yes

Rooms

Main

# Bedrooms Count Main Level: 1
# Bathrooms Count Main Level: 2

# Bathrooms Full Main Level: 1
# Bathrooms Half Main Level: 1

All Upper Levels

# Bedrooms Count All Upper Levels: 2
# Bathrooms Count All Upper Levels: 1

# Bathrooms Full All Upper Levels: 1

Upper Level 1

# Bedrooms Count Upper Level: 2
# Bathrooms Count Upper Level: 1

# Bathrooms Full Upper Level: 1

All Lower Levels

# Bedrooms All Lower Levels: 2
# Bathrooms All Lower Levels: 1

# Bathrooms Full All Lower Levels: 1

Lower Level 1

# Bedrooms Lower Level: 2
# Bathrooms Lower Level: 1

# Bathrooms Full Lower Level: 1

Rooms

Stories: Lower 1, Main, Upper 1

Building Info

Building Info

Total Finished SQFT: 3,285.00
Total Finished SQFT Source: Assessor

Tax Total Finished SQFT: 3,285.00
Total SQFT: 3,285.00
Total SQFT Source: Assessor
Construction Materials: Frame
Roof: Architectural Shingle
Ext Main Mid-res: http://bright-media01.prd.brightmls.com/bright/images/0000/8054/3233/1748/805432331748_512_384_WM_fr-R0oD4nbmMAlpZ.jpg
Basement Type: Fully Finished
Foundation Details: Block
Room and Floor: Bedrooms-Main Level-1, Bathrooms Full-Main Level-1, Bathrooms Half-Main Level-1, Bedrooms-Upper Level 1-1, Bedrooms-Upper Level 1-2, Bedrooms-Lower Level 1-1, Bedrooms-Lower Level 1-2, Bathrooms Full-Upper Level 1-1, Bathrooms Full-Lower Level 1-1
# Bathrooms Full: 3
# Bathrooms Half: 1
Other Structure: Above Grade, Below Grade

Lot / Land Information

Lot / Land Information

Lot Size Source: Estimated
Road Surface Type: Paved

Road Responsibility: HOA
Parcel ID: 15669283
Additional Parcels: No
Ground Rent Exists: No

Parking

Parking

Type Of Parking: Driveway
Driveway - # of Spaces: 5

Interior Features

Interior Features

Fireplace: Yes
Fireplaces Count: 2

Fireplace Features: Gas/Propane
Accessibility Features: None

Exterior Features

Exterior Features

Pool: Yes - Community
Horse: No

Utilities

Utilities

Heating: Yes
Cooling Type: Central A/C

Cooling Fuel: Electric
Heating Type: Forced Air
Heating Fuel: Propane - Metered
Hot Water: Electric
Water Source: Public
Sewer Septic: Public Sewer
Electric Service: 200+ Amp Service

Property History for 431 Mountaintop Road

Date	Event & Source	Price	Appreciation
Sep 29, 2026	Listed (Active) BRIGHT #MDGA2012814	$949,000	—
Mar 14, 2021	Closed (Public Record) Public Record #1455807038	$845,000	+1.4% / yr
Mar 18, 2005	Closed (Public Record) Public Record #154633179	$675,000	—

Date	Event & Source	Price
09/29/2026	Listed (Active) BRIGHT #MDGA2012814	$949,000
03/14/2021	Closed (Public Record) Public Record #1455807038	$845,000 +1.4% / yr
03/18/2005	Closed (Public Record) Public Record #154633179	$675,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public records

431 Mountaintop Road

Beds

Baths

3.5

Total Finished SqFt

3,285 SqFt

Above Grade Finished SqFt

2,024 SqFt

Finished Basement SqFt

1,261 SqFt

Stories

Schools near 431 Mountaintop Road

This home is within Garrett County Public Schools.


Rating	School	Type	Grades	Distance
6/10	Accident Elementary School	Public - Serves this home	PK to 5	6.9 mi
7/10	Northern Middle School	Public - Serves this home	6 to 8	9.5 mi
7/10	Northern Garrett High School	Public - Serves this home	9 to 12	9.6 mi


Rating	School	Distance
6/10	Accident Elementary School PublicPK to 5 Serves this home	6.9 mi
7/10	Northern Middle School Public6 to 8 Serves this home	9.5 mi
7/10	Northern Garrett High School Public9 to 12 Serves this home	9.6 mi

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 431 Mountaintop Road, McHenry, MD 21541

431 Mountaintop Road is a single family home for sale in McHenry, MD 21541. This property was listed for sale on September 29, 2026 by Railey Realty, Inc., it's currently listed at $949,000. It has been on the market for a total of 12 days and was last sold on March 14, 2021. This listing's school district is Garrett County Public Schools. Nearby schools include Accident Elementary School, Northern Middle School and Northern Garrett High School. 431 Mountaintop Road is a 5-bed, 4-bath, 3,285 sqft single family home built in 2005.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Railey Realty, Inc.

© 2026 Bright MLS. All rights reserved. All information is deemed reliable, but accuracy is not guaranteed. Listing information is from various brokers who participate in IDX and not all listings may be visible on the site. The property information being provided is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on 10/07/2026 02:26 PM

431 Mountaintop Rd, McHenry, MD 21541

Property Details

Building Information

Location

Waterfront / Water Access

Association / Community Info

Taxes and Assessment

Rooms

Building Info

Lot / Land Information

Parking

Interior Features

Exterior Features

Utilities

Beds

Baths

Total Finished SqFt

Above Grade Finished SqFt

Finished Basement SqFt

Stories

Explore Nearby Homes

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More information about 431 Mountaintop Road, McHenry, MD 21541