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Rare opportunity! Former Kaine Homes model offering four finished levels, flexible living space, and an unbeatable location on the Calvert County / Anne Arundel County line. This impressive 6-bedroom, 4.5-bath home features a dramatic two-story foyer and family room with floor-to-ceiling windows and stone gas fireplace, hardwood floors, and a private library with French doors and built-ins. The gourmet kitchen opens to the family room and includes granite counters, gas cooktop, built in microwave and wall oven, dishwasher, two walk-in pantries, and generous counter seating, plus a breakfast room leading to maintenance-free decking overlooking trees. The main level also includes a formal dining room, elegant sitting area/living room, and convenient guest half bath, creating the perfect layout for everyday living and entertaining. The upper level primary suite offers a private bath, tray ceiling, sitting area with built-ins, walk-in closet plus two additional closets. Three additional spacious bedrooms complete the level, including two bedrooms connected by a Jack-and-Jill bath, each with walk-in closets. A unique four-level layout continues with a private fourth-level suite with bedroom, sitting area, built-ins, and full bath. The lower level apartment with separate entrance features a gourmet kitchen with Thermador commercial gas range, family room, dining area, bedroom, and full bath—ideal for multi-generational living, rental potential, or a home-based business. Don't miss the area off the main level with laundry and mud room, separate entrance and a second office and home gym offering even more potential. See floor plans for the full picture of the layout. Enjoy the wrap-around covered porch with gazebo, professional landscaping, spacious two-car garage, and ample concrete driveway parking. Located in the Northern High School district (Windy Hill Elementary & Middle) and convenient to DC, Annapolis, and Baltimore. Versatile, spacious, and beautifully designed—this home offers endless possibilities! 🏡

Highlights

  • Residential
  • Single Family Residence
  • Built in 1999
  • 1.22 Acre Lot
  • 2 Car Garage
  • 241 days on Market

  • Bedrooms
    6
  • Bathrooms
    4 full · 1 half
  • Year Built
    1999
  • Architectural Style
    Traditional, Colonial
  • Construction Materials
    Vinyl Siding, Stone
  • Foundation
    Concrete Perimeter
  • Garage Spaces
    2.0
  • Parking Features
    Driveway, Private, Attached, Garage Door Opener, Garage, Concrete
  • Living Area
    6080.0
  • Interior Features
    Ceiling Fan(s), Walk-In Closet(s), Pantry, Central Vacuum, Recessed Lighting, High Ceilings, Open Floorplan, Crown Molding, Built-in Features
  • Appliances
    Dishwasher, Electric Water Heater, Microwave, Refrigerator, Washer, Range, Gas Range, Cooktop, Oven, Gas Oven, Freezer, Range Hood, Stainless Steel Appliance(s), Ice Maker, Water Heater, Exhaust Fan
  • Flooring
    Hardwood, Carpet, Ceramic Tile, Wood
  • Exterior Features
    Lighting
  • Patio And Porch
    Patio, Deck, Wrap Around, Porch
  • Pool Features
    None
  • Cooling
    Ceiling Fan(s), Central Air, Electric
  • Heating
    Electric, Heat Pump, Exhaust Fan
  • Basement
    Finished, Full, Partial, Daylight, Interior Entry, Exterior Entry

  • Acres
    1.22
  • Lot Features
    Wooded, Level, Cleared, Corner Lot, Few Trees, Back Yard, Front Yard
  • View
    Trees/Woods, Street
  • Utilities
    Cable Available, Electricity Available, Phone Available, Propane
  • Water
    Public

  • County
    Calvert
  • City
    Owings
  • Neighborhood
    CROSS POINT
  • Zip Code
    20736
  • High School
    NORTHERN
  • Middle School
    WINDY HILL
  • Elementary School
    WINDY HILL

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Frequently Asked Questions

How do I schedule a tour of 5 Cross Point 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 5 Cross Point 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 5 Cross Point Dr?

Click Ask a Question to talk with our team. You already know it is a 6 bed, 4 bath, listed for $1,100,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Owings, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 5 Cross Point 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 5 Cross Point Dr at around $6,979. 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 5 Cross Point 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 Calvert 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 5 Cross Point Dr?

In most cases, yes. Whether 5 Cross Point Dr is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Owings'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 5 Cross Point Dr?

We can handle that for you. Our preferred local agent specializes in residentials in Owings 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 $1,100,000 with 6,080 sqft of space—that comes out to approximately $181 per square foot.

How long has this property been on the market?

5 Cross Point Dr was listed on March 12, 2026, which means it's been on the market for 241 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 1999, making it approximately 27 years old.

What is the lot size of this property?

5 Cross Point Dr sits on a 1.22-acre lot, which is 53,143 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: WINDY HILL
  • Middle: WINDY HILL
  • High: NORTHERN

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

What are the property taxes for 5 Cross Point Dr?

The most recent public record shows annual property taxes for 5 Cross Point Dr were approximately $8,630. 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 5 Cross Point 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 08, 2026 at 03:07PM | Source: Bright | MLS#: MDCA2025536