$365,900

10984 Elm Dr Lusby, MD 20657

Estimated payment $2,194/month

Total Views 7,316
3 Beds
2 Baths
1,767 Sq Ft
$207 Price per Sq Ft

Highlights

  • 1 Fireplace
  • Cottage
  • Forced Air Heating System
  • No HOA

About This Home

***$10,000 Seller Credit! Seller is offering $10,000 towards the buyer's closing costs. A great opportunity to reduce your upfront expenses!***

Located in the private beachfront community of Cove Point, this charming 3-bedroom, 2-bath home offers laid-back coastal living just steps from the Chesapeake Bay. Spend your mornings walking the beach, hunting for fossils, or just enjoying the sound of the waves nearby.

The home offers 1,767 square feet of comfortable living space, with thoughtful updates that bring modern convenience while keeping its relaxed, beach-house character. It’s the kind of place that feels like a true escape—but still close to local shops, restaurants, and everything you need.

And while it feels a world away, Cove Point is just about 90 minutes from Washington, D.C., making it an ideal weekend retreat or full-time home for anyone looking to stay connected to the city while living by the water.

Please note: The septic system is functional, but water enters the drainfield during higher tide.

Listing Agent

Rob Schou

EXP Realty, LLC Listed on: 07/30/2025

EXP Realty, LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,937

Year Built

  • Built in 1940

Lot Details

  • 7,500 Sq Ft Lot

Parking

  • Driveway

Home Design

  • Cottage
  • Block Foundation
  • Vinyl Siding
  • Stick Built Home

Interior Spaces

  • 1,767 Sq Ft Home
  • Property has 1 Level
  • 1 Fireplace

Bedrooms and Bathrooms

  • 3 Main Level Bedrooms
  • 2 Full Bathrooms

Schools

  • Dowell Elementary School
  • Southern Middle School
  • Patuxent High School

Utilities

  • Forced Air Heating System
  • Heating System Uses Oil
  • Heat Pump System
  • Well
  • Electric Water Heater
  • Septic Tank

Community Details

  • No Home Owners Association
  • Cove Point Subdivision

Listing and Financial Details

  • Assessor Parcel Number 0501035398

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,937

Year Built

Built in 1940

Lot Details

0

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Cottage
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Main
  • Year Built: 1940
  • Remarks Public: ***$10,000 Seller Credit! Seller is offering $10,000 towards the buyer's closing costs. A great opportunity to reduce your upfront expenses!*** Located in the private beachfront community of Cove Point, this charming 3-bedroom, 2-bath home offers laid-back coastal living just steps from the Chesapeake Bay. Spend your mornings walking the beach, hunting for fossils, or just enjoying the sound of the waves nearby. The home offers 1,767 square feet of comfortable living space, with thoughtful updates that bring modern convenience while keeping its relaxed, beach-house character. It’s the kind of place that feels like a true escape—but still close to local shops, restaurants, and everything you need. And while it feels a world away, Cove Point is just about 90 minutes from Washington, D.C., making it an ideal weekend retreat or full-time home for anyone looking to stay connected to the city while living by the water. Please note: The septic system is functional, but water enters the drainfield during higher tide.
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Fireplaces Count: 1
  • Fireplace: Yes
  • Foundation Details: Block
  • Levels Count: 1
  • Basement: No
  • Total Sq Ft: 1767
  • Living Area Sq Ft: 1767
  • Price Per Sq Ft: 207.07
  • Above Grade Finished Sq Ft: 1767
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 10984

Beds/Baths

  • Bedrooms: 3
  • Main Level Bedrooms: 3
  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Main Level Bathrooms: 2.00
  • Main Level Full Bathrooms: 2

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Block, Vinyl Siding, Stick Built
  • Water Access: No
  • Waterfront: No
  • Water Oriented: No
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Type Of Parking: Driveway

Utilities

  • Central Air Conditioning: No
  • Cooling Fuel: Electric
  • Cooling Type: Heat Pump(s)
  • Heating Fuel: Oil
  • Heating Type: Forced Air
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Septic Exists
  • Water Source: Well

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA: No
  • Senior Community: No

Schools

  • School District: CALVERT COUNTY PUBLIC SCHOOLS
  • Elementary School: DOWELL
  • Middle School: SOUTHERN
  • High School: PATUXENT
  • Elementary School Source: 3rd Party
  • High School Source: 3rd Party
  • Middle School Source: 3rd Party
  • School District Key: 121139842846
  • School District Source: 3rd Party
  • Elementary School: DOWELL
  • High School: PATUXENT
  • Middle Or Junior School: SOUTHERN

Lot Info

  • Lot Size Acres: 0.17
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 7500.00
  • Year Assessed: 2024
  • Zoning: R
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 2937.00
  • Assessor Parcel Number: 0501035398
  • Tax Year: 2024

MLS Schools

  • School District Name: CALVERT COUNTY PUBLIC SCHOOLS

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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 $3,154 $295,367 $0 $0
2024 $3,154 $272,233 $0 $0
2023 $2,802 $249,100 $101,400 $147,700
2022 $2,769 $246,167 $0 $0
2021 $2,714 $243,233 $0 $0
2020 $2,714 $240,300 $101,400 $138,900
2019 $2,618 $230,300 $0 $0
2018 $2,500 $220,300 $0 $0
2017 $2,424 $210,300 $0 $0
2016 -- $209,900 $0 $0
2015 $2,707 $209,500 $0 $0
2014 $2,707 $209,100 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/26/2025 08/26/25 Price Changed $365,900 -5.0% $207 / Sq Ft
07/30/2025 07/30/25 For Sale $385,000 -- $218 / Sq Ft
Source: Bright MLS

Purchase History

Date Type Sale Price Title Company
Deed $460,000 Key Title
Deed $460,000 Key Title
Deed $95,000 --
Deed $95,000 --
Deed $272,140 --
Deed $107,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $238,500 Stand Alone Refi Refinance Of Original Loan
Previous Owner $220,000 Stand Alone Refi Refinance Of Original Loan
Previous Owner $180,057 New Conventional
Closed -- No Value Available
Source: Public Records

Source: Bright MLS

MLS Number: MDCA2022362

Bright MLS

APN: 01-035398