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Home/Real Estate/Charles/Charlotte Hall/20622/Whisper Creek Sub/12438 WHISPER CREEK CT, CHARLOTTE HALL, MD, 20622
MLS# MDCH2056156Listed by CENTURY 21 New Millennium
12438 WHISPER CREEK CT, CHARLOTTE HALL, MD 20622
$699,950Active
4Beds
2.1Baths
3,316Sq Ft
3Acres
About This Property
Welcome to 12438 Whisper Creek Ct, where coming home feels like getting away from it all. Tucked into the beautiful Whisper Creek community of Charlotte Hall, this remodeled two-story Colonial sits on an incredible flat 3-acre lot backing to peaceful farmland, offering the kind of space, quiet, and privacy that can be hard to find.
This is Southern Maryland living at its best—open skies, surround…
This is Southern Maryland living at its best—open skies, surround…
Key Facts
StatusActive
MLS #MDCH2056156
Property TypeResidential
Days on Market28
Year Built2003
StyleColonial
Levels / Stories3
New ConstructionNo
OwnershipFee Simple
Tax ID0904027604
ZoningAC
Interior
Living Area3,316 sq ft
Above Grade Fin.3,316 sq ft
Interior FeaturesCeiling Fan(s), Water Treat System, Window Treatments, Carpet
AppliancesDryer, Washer, Cooktop, Dishwasher, Exhaust Fan, Freezer, Humidifier, Disposal, Microwave, Refrigerator, Stove
FireplaceNo
BasementOther
Exterior & Lot
Lot Size3 acres
ConstructionVinyl Siding
RoofShingle
FoundationSlab
Other StructuresAbove Grade, Below Grade
PoolNo Pool
WaterfrontNo
Water ViewNo
Water AccessNo
Navigable WaterNo
Parking
GarageYes
Garage Spaces3
Garage TypeGarage Door Opener
Total Parking3
Parking TypesAttached Garage
Utilities
HeatingYes
Heating TypeHeat Pump(s)
Heating FuelElectric
Central AirYes
Cooling TypeCentral A/C
Cooling FuelElectric
Hot WaterElectric
Water SourceWell
SewerOn Site Septic
Taxes & Assessment
Annual Taxes$7,307 / 2025
Assessed Value$604,200 / 2026
County Tax$6,980
Community & Schools
CountyCHARLES-MD
SubdivisionWHISPER CREEK SUB
School DistrictCHARLES COUNTY PUBLIC SCHOOLS
HOAYes
HOA Fee$350 / Annually
Senior CommunityNo
Pets AllowedNo Pet Restrictions
Location & Nearby Businesses
12438 WHISPER CREEK CT, CHARLOTTE HALL, MD, 20622
Get Driving DirectionsSource: Real Estate Property Source Bright MLS
Est. Monthly Payment
$3,539/mo
Home Price$699,950
Down Payment (20%)$139,990
Loan Amount$559,960
Interest Rate (est.)6.50%
Loan Term30 Years
* Estimate reflects principal & interest only — excludes property taxes, homeowners insurance, mortgage insurance, and any HOA/condo dues if applicable, all of which affect your actual payment. Contact a mortgage professional for additional figures.
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