🔥Huge price adjustment! Opportunity Is Knocking in Cross Point — And It’s Bringing a 2.25% VA Assumable Loan With It! 🔥 Yes, you read that right — 2.25% interest rate assumable VA loan. In today’s market, that is a game-changer and could mean significant monthly savings. Welcome to this STUNNING 5-bedroom, 3.5-bath home in the highly sought-after Cross Point community — where the updates are done and the pride of ownership is undeniable. This is what true move-in ready looks like:✔ New roof (2017)✔ New windows (2017 & 2018)✔ Dual-zone A/C (2019)✔ Basement renovation with second full kitchen (2019)✔ Fireplace (2020)✔ Back deck redone (2021✔ $30,000 primary bath renovation (2023) From the charming wrap-around porch to the refined interior finishes — crown molding, wainscoting, gas fireplace — every detail has been thoughtfully upgraded. The beautifully renovated kitchen features granite countertops, soft-close cabinetry, and premium fixtures, opening to a layout designed for both everyday living and effortless entertaining. Upstairs you’ll find four spacious bedrooms and spa-inspired baths. The fully finished lower level with a second kitchen offers incredible flexibility — perfect for multi-generational living, extended guests, or additional entertaining space. And the backyard? A true entertainer’s dream with a spacious deck ready for gatherings, cookouts, and peaceful evenings. ✨ Modern updates.✨ Timeless design.✨ Rare financing opportunity.✨ Located in one of the area’s most desirable communities. Homes with this level of care — and this kind of financing advantage — don’t come along often. Don’t miss your chance to make it yours!
Under contract
Price cut: $12.6K (2/23)
$699,900
56 Cross Point Dr, Owings, MD 20736
5beds
3,626sqft
Est.:
Single Family Residence
Built in 2000
0.5 Acres Lot
$695,400 Zestimate®
$193/sqft
$25/mo HOA
What's special
Stunning gas fireplaceBeautifully renovated kitchenSpa-inspired renovated bathroomsPremium fixturesCrown moldingGranite countertopsSoft-close cabinetry
- 204 days |
- 89 |
- 2 |
Zillow last checked: 7 hours ago
Listing updated: February 28, 2026 at 01:44pm
Listed by:
Tracey Bellotte 410-474-1649,
Coldwell Banker Realty 410-721-0103
Source: Bright MLS,MLS#: MDCA2023062
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Basement
- Area: 1272
Heating
- Heat Pump, Electric, Oil
Cooling
- Central Air, Electric
Appliances
- Included: Microwave, Cooktop, Dishwasher, Dryer, Oven, Refrigerator, Washer, Electric Water Heater
- Laundry: Upper Level, Lower Level
Features
- 2nd Kitchen, Ceiling Fan(s), Dining Area, Family Room Off Kitchen, Eat-in Kitchen, Pantry, Recessed Lighting, Walk-In Closet(s), Built-in Features, Formal/Separate Dining Room, Floor Plan - Traditional
- Basement: Finished,Rear Entrance,Full
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
Interior area
- Total structure area: 3,798
- Total interior livable area: 3,626 sqft
- Finished area above ground: 2,526
- Finished area below ground: 1,100
Video & virtual tour
Property
Parking
- Total spaces: 8
- Parking features: Garage Faces Front, Attached, Driveway
- Attached garage spaces: 2
- Uncovered spaces: 6
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Patio & porch: Deck, Patio
- Pool features: None
Lot
- Size: 0.5 Acres
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 0503154467
- Zoning: R-1
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subtype: Single Family Residence
Materials
- Brick, Vinyl Siding
- Foundation: Permanent, Concrete Perimeter
Condition
- New construction: No
- Year built: 2000
Utilities & green energy
- Sewer: Private Septic Tank
- Water: Public
Community & HOA
Community
- Subdivision: Cross Point
HOA
- Has HOA: Yes
- HOA fee: $300 annually
Location
- Region: Owings
Financial & listing details
- Price per square foot: $193/sqft
- Tax assessed value: $542,300
- Annual tax amount: $5,979
- Date on market: 9/17/2025
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Estimated market value
$695,400
$661,000 - $730,000
$4,195/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/1/2026 | Contingent | $699,900$193/sqft |
Source:  Bright MLS #MDCA2023062 Report a problem | ||
| 2/23/2026 | Price change | $699,900-1.8%$193/sqft |
Source: Bright MLS #MDCA2023062 Report a problem | ||
| 1/27/2026 | Price change | $712,500-1.7%$196/sqft |
Source: Bright MLS #MDCA2023062 Report a problem | ||
| 12/2/2025 | Listed for sale | $725,000$200/sqft |
Source: Bright MLS #MDCA2023062 Report a problem | ||
| 11/20/2025 | Contingent | $725,000$200/sqft |
Source: Bright MLS #MDCA2023062 Report a problem | ||
| 9/26/2025 | Price change | $725,000-2.4%$200/sqft |
Source: Bright MLS #MDCA2023062 Report a problem | ||
| 9/17/2025 | Listed for sale | $742,500+41.4%$205/sqft |
Source: Bright MLS #MDCA2023062 Report a problem | ||
| 6/18/2004 | Sold | $525,000+120.9%$145/sqft |
Source: Public Record Report a problem | ||
| 7/13/2000 | Sold | $237,617$66/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,851 +5.1% | $542,300 +5.1% |
| 2024 | $5,569 +9.4% | $516,133 +5.3% |
| 2023 | $5,091 +5.6% | $489,967 +5.6% |
| 2022 | $4,819 +1.2% | $463,800 +1.2% |
| 2021 | $4,761 +0.7% | $458,233 +1.2% |
| 2020 | $4,726 +0.8% | $452,667 +1.2% |
| 2019 | $4,690 | $447,100 |
| 2018 | $4,690 -1.4% | $447,100 |
| 2017 | $4,757 +4.9% | $447,100 -1% |
| 2016 | $4,534 | $451,700 +0.2% |
| 2015 | $4,534 | $450,767 +0.2% |
| 2014 | $4,534 | $449,833 +0.2% |
| 2013 | -- | $448,900 |
| 2012 | -- | $448,900 |
| 2011 | -- | $448,900 -15.8% |
| 2010 | -- | $533,040 +6.7% |
| 2009 | -- | $499,402 +7.2% |
| 2008 | -- | $465,766 +7.8% |
| 2007 | -- | $432,130 +18.9% |
| 2006 | -- | $363,406 +23.3% |
| 2005 | -- | $294,683 +30.4% |
| 2004 | -- | $225,960 +1.2% |
| 2003 | -- | $223,280 +1.2% |
| 2002 | -- | $220,600 +1.2% |
| 2001 | -- | $217,920 |
Find assessor info on the county website
Monthly payment
Est. payment
$3,843/mo
Principal & interest
$3363
Property taxes
$455
HOA Fees
$25
More affordability tools
Climate risks
Neighborhood: 20736
Nearby schools
GreatSchools rating
- 7/10Windy Hill Elementary SchoolGrades: PK-5Distance: 2.1 mi
- 7/10Windy Hill Middle SchoolGrades: 6-8Distance: 2 mi
- 9/10Northern High SchoolGrades: 9-12Distance: 3.2 mi
Schools provided by the listing agent
- District: Calvert County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 20736
- Maryland
- Calvert County
- Owings
- 20736
- 56 Cross Point Dr
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