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About this home
Welcome to 550 W Mount Harmony Road! Nestled on a serene, wooded one-acre lot in Calvert County, this beautifully updated home offers a peaceful retreat with inviting living spaces, modern finishes, and plenty of room to enjoy both indoors and out. Conveniently located just two minutes from Route 4 and situated in the sought-after Northern High School district, this property offers a wonderful combination of privacy and accessibility. Move in stress-free, major systems have been updated in the last few years: New complete septic system – 2019 New complete drilled Well, pump, tank - 2020 New Heat pump and air handler system – 2019 New Roof – 2026 New Fridge, Dishwasher, OTR Micro – 2026 From the moment you arrive, the inviting front porch sets the tone, offering an ideal spot for rocking chairs, morning coffee, and taking in the natural beauty of the property. Inside, you'll find 2,136 square feet of thoughtfully designed living space with a layout that offers both room to gather and places to unwind. Fresh paint, new carpet, and luxury vinyl plank flooring add to the home's refreshed appeal. The main level features a cozy, carpeted living room, a dedicated dining area, and a bright, open-concept kitchen and family room filled with natural light. The beautifully updated kitchen features crisp white cabinetry, granite countertops, a deep sink, and new stainless steel appliances, including a refrigerator, dishwasher, and over-the-range microwave (2026). Luxury vinyl plank flooring flows throughout the dining room, kitchen, and family room, tying the spaces together beautifully. A convenient half bath and laundry room with direct access to the attached garage complete the main level. Upstairs, you'll find three bedrooms, including a spacious owner's suite featuring two closets and a private en-suite bathroom. Two additional bedrooms and a full hallway bathroom provide plenty of flexibility for guests, a home office, or additional living needs. Beyond the cosmetic updates, this home offers significant improvements to its major systems, including a complete septic system replacement (2019), a new drilled well, pump, and pressure tank (2020), a new heat pump and air handler system (2019), and a brand-new roof (2026). Step outside to enjoy the rear deck overlooking the surrounding woods, offering a peaceful setting for relaxing, entertaining, or simply enjoying the outdoors. With an attached garage, a full acre of land, and no HOA, this property offers the space and freedom to truly make it your own. If you've been searching for an updated home with major improvements already completed, room to spread out, and a private setting without sacrificing convenience, this one deserves a closer look! Just minutes from Route 4 and located in the Northern school district, 550 W Mount Harmony Road offers so much to appreciate. Schedule your private showing today!
3 bed, 2.5 bath. no basement, 1 car garage, fixer upper. needs a lot of work. cannot go VA or USDA. Only cash or FHA 203k rehab.
Year
Property tax
Land + Additions
Assessment*
2025
$4,482 (+6.2%)
2024
$4,218 (+10.5%)
$150,000 + $244,800
$394,800
2023
$3,818 (+7.1%)
2022
$3,566 (+1.3%)
2021
$3,520 (+0.9%)
$150,000 + $172,900
$322,900
2020
$3,490 (+0.9%)
2019
$3,459 (+1.0%)
2018
$3,423 (−0.6%)
2017
$3,444 (+6.5%)
2016
$3,233
$150,000 + $154,000
$304,000
2015
$3,231 (−5.1%)
$150,000 + $154,000
$304,000
2014
$3,404
$150,000 + $171,400
$321,400
2013
$3,402 (+0.9%)
2012
$3,370 (−14.4%)
2011
$3,935
2010
$3,935 (+25.6%)
2009
$3,133
Public record
Public record
Zoning
Beds
—
Baths
2.5
Stories
2
Lot width
—
Lot depth
—
Lot size
1.01 Acres
Year renovated
—
Finished Sq. Ft.
2,136
Unfinished Sq. Ft.
—
Total Sq. Ft.
2,136
Year built
1980
Style
Single Family Residential
County
Calvert County
APN
03 086615
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 9, 2026.
RCD
Rural Community District
The Rural Community District RCD is intended to maintain a mix of farms, forests, and residential uses, retain historic and scenic areas, and protect watersheds, fish, and wildlife. These goals are to be achieved in part through the mandatory clustering of subdivisions on parcels 30 acres or greater in size, with a minimum of 60 percent of the subdivision to be permanently preserved as open space. It is the intent to maintain a low residential density within this district while still allowing for some use of Transferable Development Rights TDRs. To avoid drawing traffic onto rural roads commercial uses are limited.
Permitted uses
Include but are not limited to:
Agriculture
Religious facility
Public service
Educational/school
Library
Museum / gallery
Golf related
Communications tower
Cemetery
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.15% chance of being in a wildfire in next 30 years
8/10 Heat Factor
7 days above 102° expected this year, 16 days in 30 years
6/10 Wind Factor
58% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 2 days in 30 years
Provided by First Street
Historical weather
Owings, MD • 20736
Average low and high temperatures (°F)
39
24
44
29
62
41
69
49
73
57
84
66
88
71
80
64
77
61
67
49
59
41
46
30
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
99/ 100
Exceptional sunlight
Sunscore
This home ranks in the top 16% for direct sun exposure in Owings. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
10.1 hrs
6.5 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 550 W Mount Harmony Rd
$420,262
$362 over list price of $420K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $425K to $725K.