$537,500
SOLD APR 23, 2026

10963 Beach Dr Lusby, MD 20657

3 Beds
2 Baths
1,224 Sq Ft
0.34 Acres Lot

Sale Details

Date Sold: April 23, 2026

$439 Per Sq Ft

2% Below List Price

1 Day on Market

Highlights

  • Home fronts navigable water
  • Fishing Allowed
  • Open Floorplan
  • Canoe or Kayak Water Access
  • View of Trees or Woods
  • Bayside

About This Home

As of April 2026

Turn-Key Coastal Retreat with Water Access in Coveted Cove Point Beach Discover Cedar Beach Lodge—a rare opportunity to own a turn-key retreat in an exclusive beachfront community along the Chesapeake Bay. This stunning 3BR/2BA home is a proven, income-producing vacation rental with a loyal base of repeat guests, or it can serve as your own private coastal getaway.
Just steps from a private sandy beach, the fully furnished home offers effortless comfort and an inviting open-concept design. The great room features soaring ceilings and seamless flow between the family room, dining area, and fully equipped kitchen—ideal for gathering with family and friends. Step onto the spacious deck or relax in the screened-in porch to enjoy morning coffee, evening sunsets, and the soothing rhythm of the waves.
The outdoor amenities elevate the coastal lifestyle even further: enjoy a firepit under the stars, rinse off in the outdoor shower after a beach day, and take advantage of ample parking for guests. A secure walk-in storage area beneath the home provides room for bikes, paddleboards, and all your beach essentials.
From sunrise walks to bonfires at dusk, every day here feels like a vacation. Stroll to the historic Cove Point Lighthouse or hunt for Miocene-era fossils and shark’s teeth along the one-mile private shoreline.
Located just one hour from Annapolis and Washington, D.C., and only minutes from Solomons Island, Cedar Beach Lodge offers the perfect balance of tranquility and convenience. Whether you’re seeking a lifestyle, an investment, or both—this is your chance to own a piece of Chesapeake Bay paradise.

Last Agent to Sell the Property

Becky King

(410) 286-9632 leads@hometowneteam.com Home Towne Real Estate Brokerage Phone: 4102869632 License #595255 Listed on: 03/22/2026

Home Towne Real Estate

Last Buyer's Agent

Blake Haegele

(301) 831-5099 home@charisrealty.com Charis Realty Group License #681744

Charis Realty Group

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,648

Year Built

  • Built in 2005

Lot Details

  • 14,810 Sq Ft Lot
  • Home fronts navigable water
  • No Through Street
  • Level Lot
  • Backs to Trees or Woods
  • Property is in excellent condition

Property Views

  • Woods
  • Garden

Home Design

  • Contemporary Architecture
  • Post and Beam
  • Entry on the 2nd floor
  • Block Foundation
  • Slab Foundation
  • Architectural Shingle Roof
  • Cedar

Interior Spaces

  • 1,224 Sq Ft Home
  • Property has 3 Levels
  • Open Floorplan
  • Furnished
  • Ceiling Fan
  • Heatilator
  • Fireplace With Glass Doors
  • Fireplace Mantel
  • Gas Fireplace
  • Sliding Windows
  • Window Screens
  • Sliding Doors
  • Great Room
  • Family Room Off Kitchen
  • Basement
  • Crawl Space

Kitchen

  • Electric Oven or Range
  • Self-Cleaning Oven
  • Range Hood
  • Microwave
  • Ice Maker
  • Dishwasher

Flooring

  • Wood
  • Carpet

Bedrooms and Bathrooms

  • En-Suite Bathroom

Laundry

  • Laundry Room
  • Laundry on main level
  • Dryer
  • Washer

Parking

  • Private Parking
  • Gravel Driveway
  • Off-Street Parking

Outdoor Features

  • Outdoor Shower
  • Canoe or Kayak Water Access
  • Private Water Access
  • Property near a bay
  • Waterski or Wakeboard
  • Swimming Allowed
  • Powered Boats Permitted
  • Deck
  • Shed
  • Outdoor Grill
  • Rain Gutters
  • Porch

Schools

  • Patuxent High School

Utilities

  • Central Heating and Cooling System
  • Heat Pump System
  • Programmable Thermostat
  • 120/240V
  • Propane
  • Well
  • Electric Water Heater
  • Septic Tank
  • Sewer Holding Tank
  • Phone Available
  • Cable TV Available

Additional Features

  • Energy-Efficient Windows
  • Bayside

Listing and Financial Details

  • Property is used as a vacation rental
  • Tax Lot 11
  • Assessor Parcel Number 0501034928

Community Details

Overview

  • No Home Owners Association
  • $15 Other Monthly Fees
  • Cove Point Beach Association
  • Built by BOB DAVIS & ASSOCIATES
  • Cove Point Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,648

Year Built

Built in 2005

Lot Details

0.34 Acres

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Contemporary, Post & Beam
  • Ownership: Fee Simple
  • Historic: No
  • Inclusions: May be sold unfurnished or furnished. Current vacation rental contracts may be transferred to the new owner.
  • New Construction: No
  • Story List: Main, Upper 1
  • Expected On Market: 3/22/2026 12:00:00 AM
  • Year Built: 2005
  • Automatically Close On Close Date: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Icemaker, Microwave, Oven - Self Cleaning, Oven/Range - Electric, Range Hood, Refrigerator, Washer, Water Heater, Dryer
  • Entry Floor: 2
  • Flooring Type: Carpet, Hardwood
  • Interior Amenities: Combination Kitchen/Dining, Combination Kitchen/Living, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Primary Bath(s), Wood Floors
  • Window Features: Energy Efficient, Screens, Sliding
  • Other Equipment: Negotiable
  • Fireplace Features: Fireplace - Glass Doors, Gas/Propane, Heatilator, Mantel(s)
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Door Features: Sliding Glass
  • Wall Ceiling Types: Dry Wall
  • Foundation Details: Block, Crawl Space, Slab
  • Levels Count: 3
  • Room List: Bedroom 2, Kitchen, Bedroom 1, Great Room, Laundry, Bathroom 1
  • Basement: Yes
  • Laundry Type: Main Floor
  • Total Sq Ft: 1224
  • Living Area Sq Ft: 1224
  • Price Per Sq Ft: 449.35
  • Above Grade Finished Sq Ft: 1224
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 3
  • Main Level Bedrooms: 2
  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 1
  • Upper Level Bathrooms: 1.00
  • Main Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade
  • Other Structures List: Shed
  • Construction Materials: Cedar
  • Exterior Features: Bbq Grill, Gutter System, Outside Shower, Secure Storage
  • Road Surface Type: Gravel
  • Roof: Architectural Shingle
  • Spa: No
  • View: Garden/Lawn, Street, Trees/Woods
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access, Swimming Allowed, Waterski/Wakeboard
  • Water Access: Yes
  • Water Body Name: CHESAPEAKE BAY
  • Water Body Type: Bay
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Parking Features: Gravel Driveway, Private
  • Type Of Parking: Off Street

Utilities

  • Refuse: 350.00
  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Ceiling Fan(s), Central A/C
  • Electric Service: 120/240V
  • Heating Fuel: Electric
  • Heating Type: Central, Heat Pump(s), Programmable Thermostat
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Holding Tank, Private Septic Tank, Septic Exists
  • Utilities: Cable Tv, Electric Available, Phone, Propane
  • Water Source: Well

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA Name: COVE POINT BEACH ASSOCIATION
  • HOA: No
  • Senior Community: No
  • Association Recreation Fee: No

Fee Information

  • Other Fees: 185.85
  • Other Fees Frequency: Annually

Schools

  • High School Source: Listing Agent
  • High School: PATUXENT

Lot Info

  • Lot Features: Backs To Trees, Level, No Thru Street
  • Lot Size Acres: 0.34
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 14810.00
  • Outdoor Living Structures: Deck(s), Porch(es)
  • Property Condition: Excellent
  • Soil Types: Sandy, Topsoilovrot
  • Zoning: R
  • Zoning Description: Residential
  • In City Limits: No

Building Info

  • Builder Name: BOB DAVIS & ASSOCIATES

Rental Info

  • Furnished: Yes
  • Ground Rent Exists: No
  • Lease Considered: No
  • Pets: No Pet Restrictions
  • Pets Allowed: Yes
  • Vacation Rental: Yes
  • Property Manager: No

Tax Info

  • Tax Annual Amount: 3648.00
  • Assessor Parcel Number: 0501034928
  • Tax Lot: 11
  • County Tax Payment Frequency: Semi-Annually
  • Tax Year: 2026

MLS Schools

  • School District Name: CALVERT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 22, 2026
Closed on
Apr 23, 2026
Sold by
Bartoli Renee and Marcel Lorincz
Bought by
Cole Richard and Cole Lori B
Seller's Agent
Becky King
Home Towne Real Estate
Buyer's Agent
Blake Haegele
Charis Realty Group
List Price
$550,000
Sold Price
$537,500
Premium/Discount to List
-$12,500
-2.27%
Views
18

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-51.54%
Original Mortgage
$250,000
Outstanding Balance
$250,000
Interest Rate
6.11%
Mortgage Type
New Conventional
Estimated Equity
$275,946

Purchase Details

Listed on
Apr 13, 2023
Closed on
May 16, 2023
Sold by
Deborah R Brooks Trust
Bought by
Bartoli Renee M and Lorincz Marcel
Seller's Agent
Deborah Brooks
Coldwell Banker Realty
Buyer's Agent
Chris Dugan
O'Brien Realty ERA Powered
List Price
$525,000
Sold Price
$510,000
Premium/Discount to List
-$15,000
-2.86%
Views
16

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
1.80%
Original Mortgage
$356,250
Interest Rate
6.39%
Mortgage Type
New Conventional

Purchase Details

Closed on
May 14, 2021
Sold by
Brooks Deborah R
Bought by
Deborah R Brooks Trust

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$257,000
Interest Rate
3%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jun 26, 2019
Sold by
Brooks Deborah R
Bought by
Brooks Deborah R and The Deborah R Brooks Trust

Purchase Details

Closed on
Aug 17, 2018
Sold by
Brooks Deborah R and The Deborah R Brooks Trust
Bought by
Brooks Deborah R

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$259,800
Interest Rate
4.5%
Mortgage Type
New Conventional

Purchase Details

Closed on
Sep 15, 2017
Sold by
Brooks Deborah R
Bought by
Brooks Deborah R and Deborah R Brooks Trust

Purchase Details

Closed on
Sep 17, 2007
Sold by
Bolt Christopher R and Bolt Sally A
Bought by
Brooks Deborah

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$288,000
Interest Rate
6.7%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Aug 14, 2007
Sold by
Bolt Christopher R and Bolt Sally A
Bought by
Brooks Deborah

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$288,000
Interest Rate
6.7%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Oct 26, 1999
Sold by
Mcconville Michael D
Bought by
Bolt Christopher R and Bolt Sally A
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Deed $537,500 Lakeside Title
Deed $510,000 Bridgeview Title
Deed -- Freestate Title Consultants
Deed $257,000 Freestate Title Consultants
Interfamily Deed Transfer -- Unisource
Interfamily Deed Transfer -- None Available
Interfamily Deed Transfer -- None Available
Deed $320,000 --
Deed $320,000 --
Deed $93,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $250,000 New Conventional
Previous Owner $356,250 New Conventional
Previous Owner $257,000 New Conventional
Previous Owner $259,800 New Conventional
Previous Owner $288,000 Purchase Money Mortgage
Previous Owner $288,000 Purchase Money Mortgage
Closed -- No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
04/23/2026 04/23/26 Sold $537,500 -2.3% $439 / Sq Ft
03/23/2026 03/23/26 Pending -- -- --
03/22/2026 03/22/26 For Sale $550,000 +7.8% $449 / Sq Ft
05/16/2023 05/16/23 Sold $510,000 -2.9% $407 / Sq Ft View Prior Sale
04/13/2023 04/13/23 Pending -- -- --
04/13/2023 04/13/23 For Sale $525,000 -- $419 / Sq Ft
Source: Bright MLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,460 $300,100 $0 $0
2024 $2,948 $253,100 $0 $0
2023 $2,355 $206,100 $108,100 $98,000
2022 $2,332 $204,100 $0 $0
2021 $2,294 $202,100 $0 $0
2020 $2,294 $200,100 $108,100 $92,000
2019 $2,301 $200,100 $108,100 $92,000
2018 $2,218 $193,400 $101,400 $92,000
2017 $2,261 $195,000 $0 $0
2016 -- $195,000 $0 $0
2015 $2,708 $195,000 $0 $0
2014 $2,708 $196,600 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDCA2025688

Bright MLS

APN: 01-034928

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