47 Holy Cross • Oakland, MD 21550

$6,499,900 Beds: 8 • Baths: 8 full 1 partial • Sq. Feet: 11417 • MLS ID: MDGA2010560 • Subdivision: RESERVE AT HOLY CROSS • School Dist: GARRETT COUNTY PUBLIC SCHOOLS
Luxury lakefront living at its peak. This 11,417 sq ft masterpiece sits on 1.65 acres in The Reserve at Holy Cross with 345 feet of Deep Creek Lake frontage and an engineered DNR-approved sea wall. Crafted in 2016, the home features timber-framed vaulted ceilings, wide-plank hardwood floors, and panoramic lake views from nearly every room. The commercial-grade kitchen anchors the main level with a sprawling island, Wolf range, and access to a four-season room that opens fully to the outdoors through custom bi-fold doors. The main-level primary suite spans nearly 900 sq ft with a private balcony, soaking tub, his-and-her vanities, and a massive walk-in closet. Enjoy five fireplaces, an indoor pool with fountains and a full bath, and three levels of outdoor living, including an outdoor kitchen, built-in hot tub with gazebo, outdoor shower, and deck drainage system to keep lower levels dry. Entertain with ease in the rec room with an industrial-style bar, climate-controlled wine cellar, and fully equipped gym. Three attached garages connect to a locker-style mudroom, with a lower-level garage ideal for a side-by-side or lake toys. Radiant heat, a whole-house generator, and three dock slips make this property as functional as it is flawless. A rare opportunity to own a true statement home in one of Deep Creek Lake’s most prestigious communities. Call today for your private tour! View this listing at: http://dougkarn.com/mls=MDGA2010560

Property Features

  • Garage: 3
  • Taxes: $50,098
  • Basement: Yes
  • Exterior: Stone,HardiPlank Type
  • Parking Notes: 3 Total Parking Spaces
  • Special View Info: Water
  • Lot Size: 1.64 Acres
  • Lot Dimensions: 1.64 Acre(S)
  • Heating: Heat Pump(s),Radiant,Zoned
  • Fuel Type: Propane - Owned
  • Cooling: Ceiling Fan(s),Central A/C
  • Year Built: 2016
  • Fireplaces: 3
  • Water: Well
  • Sewer: Public Sewer
  • Stories: 3.0
  • HOA Fee: $2000.00/Annually
  • Additional Structures: Above Grade,Below Grade
  • Location Description: Lake
  • Lot Description: Premium
  • Structure Type: Detached
  • Total Garage/Parking Spaces: 3
  • Parking Features: Paved Driveway
  • Appliances: Dryer,Washer,Cooktop,Dishwasher,Exhaust Fan,Freezer,Disposal,Microwave,Refrigerator,Extra Refrigerator/Freezer,Icemaker,Stove,Water Dispenser
  • Rooms: Living Room,Dining Room,Primary Bedroom,Bedroom 4,Bedroom 5,Kitchen,Den,Foyer,Sun/Florida Room,Exercise Room,Laundry,Loft,Mud Room,Other,Office,Recreation Room,Utility Room,Bathroom 1,Primary Bathroom,Full Bath,Half Bath
  • Basement: Fully Finished,Walkout Level,Windows,Connecting Stairway
  • Lake Name: DEEP CREEK LAKE
  • Swimming Pool: Indoor
  • Community Amenities: Water/Lake Privileges
  • SQFT Total Finished: 11417
  • SQFT Above Finished: 7617
  • SQFT Below Finished: 3800
  • Exterior: Hot Tub,Outside Shower
  • Interior: Ceiling Fan(s),Wet/Dry Bar,Wood Floors,Wine Storage,Floor Plan - Open,Window Treatments
  • Fireplace: Gas/Propane
  • Flooring: Hardwood
  • Waterfront: Private Dock Site
  • Water Access: Boat - Powered,Canoe/Kayak,Fishing Allowed,Swimming Allowed,Private Access
  • Windows: Screens

Room Sizes

  • Mud Room: 5 x 7 Level: Main
  • Laundry: 14 x 15 Level: Main
  • Foyer: 18 x 11 Level: Main
  • Half Bath: 7 x 6 Level: Main
  • Kitchen: 13 x 27 Level: Main
  • Dining Room: 15 x 16 Level: Main
  • Living Room: 40 x 24 Level: Main
  • Sun/Florida Room: 19 x 19 Level: Main
  • Office: 13 x 14 Level: Main
  • Primary Bedroom: 19 x 24 Level: Main
  • Primary Bathroom: 19 x 13 Level: Main
  • Den: 14 x 20 Level: Upper 1
  • Laundry: 3 x 8 Level: Upper 1
  • Primary Bedroom: 15 x 9 Level: Upper 1
  • Primary Bathroom: 9 x 13 Level: Upper 1
  • Loft: 8 x 12 Level: Upper 1
  • Primary Bedroom: 11 x 12 Level: Upper 1
  • Primary Bathroom: 7 x 5 Level: Upper 1
  • Bedroom 4: 9 x 18 Level: Upper 1
  • Primary Bedroom: 12 x 16 Level: Upper 1
  • Primary Bathroom: 11 x 9 Level: Upper 1
  • Bedroom 5: 31 x 26 Level: Upper 1
  • Bathroom 1: 9 x 9 Level: Upper 1
  • Full Bath: 9 x 9 Level: Upper 1
  • Recreation Room: 43 x 24 Level: Lower 1
  • Primary Bedroom: 10 x 16 Level: Lower 1
  • Primary Bathroom: 10 x 10 Level: Lower 1
  • Laundry: 13 x 12 Level: Lower 1
  • Exercise Room: 18 x 23 Level: Lower 1
  • Primary Bedroom: 18 x 15 Level: Lower 1
  • Primary Bathroom: 5 x 13 Level: Lower 1
  • Other: 27 x 52 Level: Lower 1
  • Full Bath: 6 x 7 Level: Lower 1
  • Utility Room: 21 x 13 Level: Lower 1

School Information

  • High School: SOUTHERN GARRETT HIGH
  • Middle School: SOUTHERN
  • School District: GARRETT COUNTY PUBLIC SCHOOLS
Printed March 12, 2026


Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated 03/12/2026. The listing information on this page last changed on 03/12/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Thu 03/12/2026 12:00:00 AM EST) or Bright MLS (last updated Wed 03/11/2026 11:50:14 PM EST). Real estate listings held by brokerage firms other than Berkshire Hathaway HomeServices Homesale Realty may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
Privacy Policy / DMCA Notice / ADA Accessibility
Federal Housing Equal Opportunity Realtor
Corporate Office - 215 S Centerville Rd. Lancaster, PA 17603
James J Hafer - West Virginia Broker of Record

©2026 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. Equal Housing Opportunity.


Agent License Information: 
Licensed in Maryland, Pennsylvania, & West Virginia
Douglas Karn 

11949 Robinwood Drive #100, Hagerstown, MD 21742
301-745-1620