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354 White Oak Drive Unit 3

SWANTON, MD 21561

4 beds
5 baths
2,848 sqft
$345 per sqft
1988 build

Very well-maintained lakefront home in the Echos community. This home offers stunning lake views from all levels and almost every room. The three levels of living space, a wood burning fireplace, granite countertops and four bedrooms are all great features for a full-time residence or vacation rental. The outside space is ideal for entertaining, featuring a nice sized Trex lakefront deck and a lower patio with a hot tub. Your Type A dock is just a few steps away, allowing you all the fun you would like to have on Deep Creek Lake. The paved driveway and attached garage are just a few more pluses to this property. Central location – close to DCL State Park, restaurants, cinema, grocery stores, and Wisp Ski Resort. Call today to preview!

Listing courtesy of BRIGHT / Taylor Made Deep Creek Vacations & Sales

Last checked: Checking… • Last updated May 12, 2025 •

MLS# MDGA2009480 —

The Building

Year Built:

1988
Year Built Source:

Assessor
Roof:

Shingle
New Construction:

No
Construction Materials:

Frame
Structure Type:

Detached
Architectural Style:

Contemporary
Levels:

3
Door Features:

Sliding Glass
Window Features:

Wood Frame
Accessibility Features:

None
Foundation Details:

Block
Basement:

Yes
Basement Type:

Connecting Stairway, Fully Finished, Heated, Outside Entrance
Unit Number:

3
Total SqFt Source:

Estimated
Total Below Grade SqFt:

1219
Total Below Grade SqFt Source:

Estimated
Above Grade Finished Area Units:

Square Feet
Above Grade Finished SqFt:

1829
Above Grade Finished SqFt Source:

Assessor
Below Grade Finished Area Units:

Square Feet
Below Grade Unfinished Area Units:

Square Feet
Below Grade Finished SqFt Source:

Estimated
Below Grade Finished SqFt:

1019
Below Grade Unfinished SqFt:

200
Below Grade Unfinished SqFt Source:

Estimated
Tax Total Finished SqFt:

2029

Interior

Interior Features:

Dining Area, Entry Level Bedroom
Room List:

Living Room, Dining Room, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Den, Bedroom 1, Loft
Flooring Type:

Ceramic Tile, Carpet, Laminated
Fireplace:

Yes
Fireplaces:

1
Fireplace Features:

Stone
Wall & Ceilings:

Cathedral Ceilings, Dry Wall, Wood Ceilings
Living Area SqFt Source:

Estimated

Room Dimensions

Total SqFt:

3048
Living Area SqFt:

2,848 Sqft

Financial & Terms

Sale Type:

Standard
Possession:

Settlement

Location

Directions:

Garrett Highway South, left on Glendale road, right on Beckmans Peninsula, left on White Oak, home is on the right.
Latitude:

39.49695000
Longitude:

-79.28883000

The Property

Property Type:

Residential
Property Condition:

Excellent
Lot Features:

Landscaping
Additional Parcels:

No
Zoning:

LR
View:

Lake, Mountain
In City Limits:

No
Outdoor Living Structures:

Deck(s)
Other Structures:

Above Grade, Below Grade
Waterview:

Yes
Waterfront:

Yes
Water Oriented:

Yes
Water Access:

Yes
Water Access Features:

Boat - Powered, Canoe/Kayak, Fishing Allowed, Limited hours of Personal Watercraft Operation (PWC), Sail, Swimming Allowed, Waterski/Wakeboard
Water Body Name:

Deep Creek Lake
Water Body Type:

Lake
Navigable Water:

Yes
Water Frontage In Feet:

280
Land Use Code:

U
Riparian Rights:

No

Listing Agent

Contact info:

Taxes

Tax ID Number:

1218062216
Tax Year:

2024
Tax Lot:

0003
Tax Annual Amount:

$7,628
Tax Assessed Value:

$751,200
Year Assessed:

2025
County Tax:

7628.00
Total Taxes Payment Frequency:

Annually

Beds

Bedrooms:

4
Bedrooms Main Level:

1
Upper Level Bedrooms:

2
Upper Level 1 Bedrooms:

2
Lower Level Bedrooms:

1
Lower Level Bedrooms:

1

Baths

Total Baths:

5
Full Baths:

4
Half Baths:

1
Main Level Baths:

2.00
Main Level Full Baths:

1
Main Level Half Baths:

1
Upper Level Full Baths:

1
Lower Level Full Baths:

2
Upper Level Total Baths:

1
Upper Level Total Baths:

1.00
All Lower Levels Total Baths:

2
Lower Level Total Baths:

2.00
Upper Level Full Baths:

1
Lower Level Full Baths:

2

Heating & Cooling

Cooling Type:

Ductless/Mini-Split
Central Air:

No
Cooling Fuel:

Electric
Heating:

Yes
Heating Type:

Heat Pump(s)
Heating Fuel:

Electric

Utilities

Sewer/Septic:

Public Sewer
Hot Water:

Electric
Water Source:

Well-Shared

Appliances

Appliances:

Dishwasher, Dryer, Microwave, Oven/Range - Electric, Refrigerator, Washer
Laundry Type:

Lower Floor

Schools

School District Name:

Garrett County Public Schools
School District Source:

Listing Agent

The Community

Subdivision Name:

Echos
Senior Community:

No
Exterior Features:

Hot Tub
Pool:

No Pool
Docks:

1
Dock Type And Features:

Type A
Dock/Slip Conveyance:

Yes
Dock/Slip Conveyance:

Subject to DNR Permit
Boats Power Count:

2
Boats Non-power Count:

1
Slips:

2
HOA:

No
Condo/Coop Association:

Yes
HOA/Condo/Coop Amenities:

Water/Lake Privileges
Condo/Coop Fee:

$300
Condo/Coop Fee Frequency:

Monthly
HOA/Condo/Coop Fee:

Pier/Dock Maintenance, Snow Removal, Lawn Maintenance
Condo/Coop Name:

Echos

Parking

Total Garage and Parking Spaces:

1
Garage:

Yes
Garage Features:

Garage - Front Entry
Garage Spaces:

1.00
Type of Parking:

Attached Garage
# of Attached Garage Spaces:

1

Extra Units

Vacation Rental:

No

Monthly cost estimate

Asking price

$985,000

Expense	Monthly cost
Mortgage	$5,274
Taxes	$635
Insurance	$270
HOA fees	$300
Utilities	$170 See report
Total	$6,649/mo.^*
	^*This is an estimate

Explore the Area

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Walk Score®

Provided by WalkScore® Inc.

Air Pollution Index

Provided by ClearlyEnergy

Sale history

Date	Event	Source	Price	% Change
5/8/25 May 8, 2025	Listed / Active	BRIGHT	$985,000

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This condo located in MD 21561 is currently for sale for $985,000. 354 White Oak Drive Unit 3 is a 2,848 square foot condo with 4 beds and 5 baths. This condo is in the attendance area of Broad Ford Elementary School, Southern Middle School, and Southern Garrett High School.

Listing Courtesy of: BRIGHT and Taylor Made Deep Creek Vacations & Sales.

The information included in this listing is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information on each listing is furnished by the owner and deemed reliable to the best of his/her knowledge, but should be verified by the purchaser. BRIGHT MLS and Estately assume no responsibility for typographical errors, misprints or misinformation. This property is offered without respect to any protected classes in accordance with the law. Some real estate firms do not participate in IDX and their listings do not appear on this website. Some properties listed with participating firms do not appear on this website at the request of the seller.