For sale

$1,299,900

Est. $7,997/mo —

•

2,227

sq ft

340 South Shore Rd, Swanton, MD 21561

About this home

Nestled in a quiet cove along central Deep Creek Lake, this charming 4-bedroom, 4-bath property offers the perfect blend of comfort, space, and lakefront living. Recently updated throughout, the home features multiple gathering areas, including a spacious great room with a fireplace, and a lower-level rec space complete with a pool table and bunkroom for additional sleeping area. Expansive decking overlooks a large yard leading to your private dock, creating an ideal setting for enjoying days on the water and peaceful lake views. Outdoor amenities include a hot tub and fire pit area, perfect for unwinding after a day of boating or exploring. Detached garage with additional flex use living space above. With its desirable location and efficient layout, "Lake Effect" presents a strong opportunity as a private retreat or income-producing vacation rental. Call today for details!

Single-familyProperty Type

1989Year Built

8,016 sq ftLot Size

$584Price/Sq.Ft.

$100/moHOA Dues

Listed by Jon Bell • Railey Realty, Inc.

•301-387-2000 (broker)

Listing updated: Sep 5, 2026 at 11:52am

Redfin checked: 2 minutes ago

•Source:BRIGHT MLS #MDGA2011696

Payment calculator

$7,997 per month

Principal and interest$7,006

Property taxes

HOA dues

Home insurance

Utilities

5 minutes to get started. No credit impact.

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Down payment assistance

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Open houses

No upcoming open houses.

Nearby open houses (4)

OPEN TODAY, 11AM TO 1PM
$1,100,000
3 beds2 baths2,034 sq ft
2849 Shingle Camp Rd, Oakland, MD 21550
(301) 387-2000
OPEN TODAY, 1PM TO 3PM3D WALKTHROUGH
$1,299,000
5 beds5.5 baths3,696 sq ft
615 Sandy Shores Rd, Mc Henry, MD 21541
(301) 387-2000
OPEN TODAY, 2PM TO 4PM
$1,179,000
5 beds4 baths3,304 sq ft
260 Biltmore Ridge Trl, Mc Henry, MD 21541
(301) 387-2000
OPEN TODAY, 2PM TO 4PM
$1,149,000
6 beds6.5 baths3,233 sq ft
220 Biltmore Vw, Mc Henry, MD 21541
(301) 387-2000

Around this home

Schools

K - 12
Preschool & daycare

Broad Ford Elementary School

Public PreK-6 • Assigned • 8.2mi

3/10

Southern Garrett High School

Public 7-12 • Assigned • 9.1mi

6/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Offer insights

340 South Shore Rd · $1,299,900

Strong offer

$1.27M and above

75% chance or better to win

Why $1.27M+ is a strong offer

DAYS ON MARKET

The average home goes pending in 57 days.

SALE-TO-LIST

Most homes are selling 5% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Dining

Interior features
Skylights
Recessed lighting
Combination kitchen and dining area
Dining area
Master bathroom
Other

Bedrooms
One bedroom on the main level
Two bedrooms on the first upper level
One bedroom on the second upper level
Entry-level bedroom
Loft and bonus room

Bathrooms
Four full bathrooms total
One full bathroom on the main level
One full bathroom on the first upper level
One full bathroom on the second upper level
One full bathroom on the lower level
Tub and stall showers

Kitchen
Electric oven/range
Microwave
Dishwasher
Refrigerator
Combination kitchen/dining layout

Laundry & utility
Washer and dryer included
Laundry located on lower floor

Flooring
Carpet
Wood floors

Heating & cooling
Electric heating
Other heating system
Ductless/mini-split cooling
Ceiling fans

Fireplace
One fireplace

Basement
Basement with windows
Walkout-level access
Interior access via connecting stairway
Outside entrance
Partially finished lower-level space

Sale and tax history for 340 South Shore Rd

Sale History
Tax History

Year

Property tax

Land + Additions

Assessment*

2024

$6,940 (+45.6%)

$215,600 + $441,200

$656,800

2022

$4,766

2021

$4,764 (+0.9%)

$187,500 + $194,400

$381,900

2020

$4,724 (+10.0%)

2019

$4,295

2018

$4,296 (+4.3%)

2017

$4,119 (+4.0%)

2016

$3,960 (−0.5%)

$187,500 + $149,100

$336,600

2015

$3,978 (−20.6%)

$187,500 + $149,100

$336,600

2014

$5,008 (+0.9%)

$260,000 + $167,300

$427,300

2013

$4,965 (+6.4%)

2012

$4,667 (−0.5%)

2011

$4,692

2010

$4,692 (+8.8%)

2009

$4,311

Public record

Beds

—

Baths

Stories

Lot width

—

Lot depth

—

Lot size

—

Year renovated

—

Finished Sq. Ft.

2,227

Unfinished Sq. Ft.

—

Total Sq. Ft.

2,227

Year built

1989

Style

Condo/Co-op

County

Garrett County

APN

18 013126

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 17, 2026.

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

2/10 Heat Factor

7 days above 89° expected this year, 18 days in 30 years

2/10 Wind Factor

Minor risk of severe winds over next 30 years

2/10 Air Factor

0 unhealthy days expected this year, 1 days in 30 years

Provided by First Street

Historical weather

Swanton, MD • 21561

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

63/ 100

Moderate sunlight

Sunscore

This home receives average direct sun exposure in Swanton. There appears to be some shading by surrounding buildings, terrain, and vegetation.

6.8 hrs

3.6 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 340 South Shore Rd

$1,179,560

$120K under list price of $1.30M

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $405K to $780K.

SOLD JUL 10, 2026
$600,000 Last sold price
5 beds4.5 baths2,200 sq ft
130 Mystic Creek Trl Unit 1B, Oakland, MD 21550
$311/sq ft
19 years newer
SOLD JUN 15, 2026
$405,000 Last sold price
2 beds2.5 baths2,960 sq ft
232 Jeffrey Ln #33, Oakland, MD 21550
$447/sq ft
13 years newer
SOLD DEC 11, 2025
$780,000 Last sold price
5 beds4 baths2,934 sq ft
873 Paradise Hts, Oakland, MD 21550
$318/sq ft
smaller lot
28 years newer
SOLD AUG 28, 2026
$725,000 Last sold price
3 beds3 baths1,488 sq ft
1163 Deep Creek Dr #8, Mc Henry, MD 21541
$97/sq ft
2 years older
no basement
SOLD DEC 30, 2025
$712,500 Last sold price
3 beds2 baths1,432 sq ft
939 Glendale Rd #19, Oakland, MD 21550
$86/sq ft
5 years newer
no basement
SOLD SEP 26, 2025
$635,000 Last sold price
3 beds3 baths1,650 sq ft
5 Arrowhead Ln #5, Oakland, MD 21550
$199/sq ft
1 year older

Rental earnings

Est. $3,057 per month, based on comparable rentals

Contact listing agent

Jon Bell

Railey Realty, Inc.

301-501-0735

jbell@railey.com

At this time, Redfin doesn't have an agent available to help you with this home.

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NEW CONSTRUCTION

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Details provided by BRIGHT MLS and may not match the public record. Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Payment calculator

Open houses

Nearby open houses (4)

Around this home

Schools

Lifestyle

Offer insights

Property details

Sale and tax history for 340 South Shore Rd

Public record

Climate risks

Historical weather

Sun exposure

Redfin Estimate for 340 South Shore Rd

Contact listing agent

Early Access listings

Nearby similar homes

New listings for sale in 21561

More real estate resources