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Discover the relaxed, resort-style lifestyle of Swan Point, where golf, boating, waterfront recreation, and year-round community activities are all just moments from home. This charming brick-front residence is situated on a beautifully landscaped corner lot surrounded by mature shade trees and is just a short stroll from peaceful water views. Inside, you’ll find a comfortable and thoughtfully designed floor plan featuring 3 bedrooms, 2.5 bathrooms, and inviting spaces for everyday living and entertaining. The spacious family room is centered around a two-sided gas fireplace shared with the dining area, while the sunroom offers a bright and peaceful place to take in the changing seasons. Both the family room and sunroom provide direct access to the deck, creating an easy flow between the indoor and outdoor living spaces. This well-built home has great bones and offers an excellent opportunity for the next owner to update and personalize it to fit their own style. Additional features include a recently replaced HVAC system, a tall crawl space providing valuable storage, and an attached two-car garage. Swan Point residents enjoy an exceptional array of amenities, including a championship golf course, full-service marina, private beach, swimming pool, playground, tennis and pickleball courts, and a lively calendar of social and community events. Whether your ideal day includes a round of golf, time on the water, relaxing by the pool, or simply enjoying the peaceful surroundings, this home offers the opportunity to make the Swan Point lifestyle your own.

Highlights

  • Residential
  • Single Family Residence
  • Built in 1991
  • 0.36 Acre Lot
  • $210/semi-yr HOA
  • 2 Car Garage
  • 117 days on Market

  • Bedrooms
    3
  • Bathrooms
    2 full · 1 half
  • Year Built
    1991
  • Architectural Style
    Ranch/Rambler
  • Construction Materials
    Brick
  • Garage Spaces
    2.0
  • Parking Features
    Driveway, Attached, Garage Door Opener, Garage, Inside Entrance
  • Living Area
    2268.0
  • Appliances
    Electric Water Heater
  • Pool Features
    Community
  • Cooling
    Central Air, Electric
  • Heating
    Electric, Heat Pump
  • Basement
    Crawl Space

  • Acres
    0.36
  • Water Front Features
    Lake
  • Water
    Public

  • County
    Charles
  • City
    Issue
  • Neighborhood
    SWAN POINT
  • Zip Code
    20645
  • High School
    LA PLATA
  • Middle School
    PICCOWAXEN
  • Elementary School
    DR. THOMAS L. HIGDON

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Frequently Asked Questions

How do I schedule a tour of 14495 Over Creek Dr?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 14495 Over Creek Dr.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 14495 Over Creek Dr?

Click Ask a Question to talk with our team. You already know it is a 3 bed, 2 bath, listed for $399,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Issue, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 14495 Over Creek Dr?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 14495 Over Creek Dr at around $2,654. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 14495 Over Creek Dr?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Charles County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 14495 Over Creek Dr?

In most cases, yes. Whether 14495 Over Creek Dr is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Issue's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 14495 Over Creek Dr?

We can handle that for you. Our preferred local agent specializes in residentials in Issue and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $399,900 with 2,268 sqft of space—that comes out to approximately $176 per square foot.

How long has this property been on the market?

14495 Over Creek Dr was listed on July 21, 2026, which means it's been on the market for 117 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1991, making it approximately 35 years old.

What is the lot size of this property?

14495 Over Creek Dr sits on a 0.36-acre lot, which is 15,682 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: DR. THOMAS L. HIGDON
  • Middle: PICCOWAXEN
  • High: LA PLATA

Want to see how these schools compare? Check out our Charles County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 14495 Over Creek Dr?

The most recent public record shows annual property taxes for 14495 Over Creek Dr were approximately $4,541. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $210 paid semi-annually.

This covers access to community features including: Picnic Area, Playground, Clubhouse, Tennis Court(s), Trail(s), Boat Dock, Basketball Court, Marina, Beach Access, Jogging Path, Boating, Golf Course, Meeting Room, Recreation Facilities.

Is 14495 Over Creek Dr still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data


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Listing information 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. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Bright. All rights reserved.

Last Updated: November 15, 2026 at 05:47PM | Source: Bright | MLS#: MDCH2057520