Home for Sale at 121 HOLY CROSS ROAD, STREET, MD 21154

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121 Holy Cross Road
Street, MD 21154

Brandon Hoffman with Redfin Corp, original listing - (301) 658-6186

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Property Details

List Price:	$875,000
Beds:	5
Baths:	Full: 4, ½: 1
Status:	Active
SqFt:	5656 Square Feet
Agency:	Redfin Corp
Agency Phone:	(301) 658-6186

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Description/Comments

Lot Size:	2 acre(s)
Property Type:	Residential-Single Family Residence
Year Built:	2000
Notes:	This beautifully maintained Victorian home offers the perfect blend of historic charm and modern luxury, set on 2.5 landscaped acres overlooking Geneva Farm Golf Course. With 5 bedrooms and 4.5 baths, this spacious residence features a welcoming wraparound front porch, rich wood floors, elegant crown molding, soaring vaulted ceilings and an intercom system throughout the house. The gourmet kitchen is a chef’s dream with stainless steel appliances, granite countertops, a large island, and a sunlit eat-in area with French doors leading to the large outdoor deck. The main level is complemented by a formal dining room for hosting, a sitting room for relaxing, a spacious laundry room, and an office (that could be converted into a 6th bedroom). The living room has a cathedral ceiling, large windows with tons of sunlight, and a gas fireplace. The journey upstairs starts with beautiful dual staircases and features an oversized primary suite that is a true retreat with French doors, a large sitting area, a fireplace, and a spa-like soaking tub and shower. There are 2 generously sized bedrooms which include a Jack and Jill bath for added convenience and a separate bedroom with its own en suite bath. The finished basement adds versatility with a full bedroom and bath, a stylish bar area, and a large space for entertainment. Outdoor living shines with a private, fenced 20 x 40 in ground pool, a pergola with a firepit, and a charming pool house—ideal for relaxing or entertaining guests. 2 car attached garage, with a separate garage/ workshop with electricity that could serve multiple uses. This is gracious living at its finest.
MlsNumber:	--
ListingId:	MDHR2041990

Listing Provided By:	Redfin Corp, original listing
Phone:	(571) 477-1630
Office Phone:	(301) 658-6186
Agent Name:	Brandon Hoffman
Disclaimer:	Copyright © 2025 Bright MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

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HUD Foreclosures

HUD foreclosures and VA Foreclosures are some of the best homes to buy when price is part of the equation. As with most Americans, price is always a concern. If not buying the same house for less, why not buy more house for the same dollar invested? When looking for a good deal it is hard to do better than the VA or HUD foreclosures market. The simple truth is that there are just more VA and HUD homes on the market, as they represent such a large number of mortgages that are generated each year. This translates into more foreclosures just by the magnitude of difference between all others comparing to the two largest.

The two largest also being government owned and operated means that they have less time to wait to make money back on the home. The FHA is especially known for selling HUD homes for less than the average sales price in a given area. FHA foreclosures represent a fraction of HUD but they are still a significant number of homes and both should be considered.

VA (Veterans Administration) and HUD (Housing and Urban Development) have different and unique opportunities for the buyer. Both are often forgiven for the local taxes normally associated with the purchase of a home (this is on a county by county basis). Be sure to ask the local title company or escrow company to look into it for you before closing as this is often missed due to their are not used to dealing with the 2 to 3 percent of the market that VA and HUD foreclosures represent.

Foreclosure Listings Increasing

As the market settled after the mortgage meltdown foreclosure listings also settled and fewer homes were on the market with a placard reading “Bank Foreclosure” in big red lettering. This was a good thing for the entire real estate market. Having an abundance of foreclosures brings the entire market down and it makes it harder for home owners, who would like to move, to get the appropriate price for their home as a similar home down the same street was sold for substantially less and the appraiser is using the foreclosure as a comparable sale.

This is just one of the problems when there are too many foreclosure listings in any area. Another issue is the television set that sits in everyone’s living room harping about the price of homes based on the number of foreclosures and this constant barrage of negative information makes most people sit on the sidelines waiting for the market to either implode completely or to correct itself. Meanwhile while they wait, others are buying foreclosure listings and making great investments.

Whatever the reason, a market can only handle so many foreclosure listings at any given time. The more foreclosures, the lower the market gets and this is a lesson the banks that were foreclosing and selling off realized too late. The market and their investments would have been better off if there had not been a rush to divest themselves of the toxic assets made more toxic by their own actions.

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