Maryland, Calvert County, Owings, USA

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!