NOT LISTED FOR SALE

11140 Cove Lake Rd Lusby, MD 20657

Estimated Value: $567,000 - $654,245

5 Beds
4 Baths
3,200 Sq Ft
$187/Sq Ft Est. Value

Last Sold March 30, 2020

Last sale price $420,000 $131 Per Sq Ft

Est. 42% increase in value since last sale

Current estimated payment $3,567/month

Highlights

  • Home fronts navigable water
  • Fishing Allowed
  • Bay View
  • Canoe or Kayak Water Access
  • Second Garage
  • 1.55 Acre Lot

About This Home

As of March 2020

Calling all Contemporary Lovers!!! You will want to consider this custom contemporary with a West Coast Vibe -- It's truly one of a kind home located in the quaint community of Cove Lake -- Great for a weekend get away by the water or full time living! Renovated to optimize indoor and outdoor living spaces, the seller purchased this home as a Rambler and transformed it into such a Beauty boasting 3200 finished square feet in living space. The new design transformation started in 2005 and includes an entire upper level with an owners ensuite that has a large picture window to delight in wonderful views of the Chesapeake Bay, and gleaming hardwood floors, large walk in closet with custom shelving. There are two other bedrooms and a full bath on this level. The mid-level has a 4th bedroom with wood burning fireplace, and a 5th bedroom with French doors, tile flooring and built in shelving. This room can also be utilized as a home office if needed. There are two additional bathrooms on this level as well as bonus room and a sunroom that overlooks the park-like setting of the back yard and can be accesses from the entry or the bonus room. The 3rd level (main level) has a large living room with a wood burning fireplace, and a dining room... both have hardwood floors. The kitchen is updated (2012) with granite counter tops, stainless steel appliances, island cooktop with seating, and large picture windows to enjoy the beauty of the outdoors. From the kitchen enter the herb garden area and an expansive deck (2017) off kitchen and another deck adjoining that wraps around the back of the home... great for outdoor entertaining! The property sits up yet offers level grounds as well and privacy. There is plenty of space for gardening and an area for wood storage. Other important amenities include a GEO-Thermal heating and cooling system, tile flooring, sky lights, 2 fireplaces, paved driveway and so much more! There is a 2 car attached garage as well as a 2 car garage that sits back from the home for extra parking and boat/toy storage, if needed, and both are very spacious.

Last Agent to Sell the Property

Keely Tolley

(410) 474-1509 keelytolley@gmail.com RE/MAX One Listed on: 06/01/2019

RE/MAX One

Last Buyer's Agent

Judy Szynborski

(410) 610-3989 judy.szynborski@penfedrealty.com Berkshire Hathaway HomeServices PenFed Realty

Berkshire Hathaway HomeServices PenFed Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,587

Year Built

  • Built in 1985 | Remodeled in 2005

Lot Details

  • 1.55 Acre Lot
  • Home fronts navigable water

HOA Fees

  • $6 Monthly HOA Fees

Parking

  • 4 Garage Spaces | 2 Attached and 2 Detached
  • Second Garage
  • Side Facing Garage

Home Design

  • Contemporary Architecture
  • Vinyl Siding

Interior Spaces

  • 3,200 Sq Ft Home
  • Property has 3 Levels
  • Vaulted Ceiling
  • Ceiling Fan
  • 2 Fireplaces
  • Living Room
  • Dining Room
  • Den
  • Sun or Florida Room
  • Bay Views

Kitchen

  • Built-In Self-Cleaning Oven
  • Down Draft Cooktop
  • Dishwasher
  • Stainless Steel Appliances

Flooring

  • Wood
  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 5 Bedrooms
  • 4 Full Bathrooms

Basement

  • Partial Basement
  • Exterior Basement Entry

Outdoor Features

  • Canoe or Kayak Water Access
  • Private Water Access
  • Property near a bay
  • Deck

Utilities

  • Central Heating and Cooling System
  • Vented Exhaust Fan
  • Geothermal Heating and Cooling
  • Programmable Thermostat
  • Well
  • On Site Septic

Listing and Financial Details

  • Tax Lot 36R
  • Assessor Parcel Number 0501191942

Community Details

Overview

  • Cove Of Calvert Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,587

Year Built

Built in 1985 | Remodeled in 2005

Lot Details

0

HOA Fees

$6 per month

Parking

4

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Contemporary
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Upper 1, Upper 2
  • Expected On Market: 2019-06-01
  • Year Built: 1985
  • Year Renovated: 2005
  • Remarks Public: Calling all Contemporary Lovers!!! You will want to consider this custom contemporary with a West Coast Vibe -- It's truly one of a kind home located in the quaint community of Cove Lake -- Great for a weekend get away by the water or full time living! Renovated to optimize indoor and outdoor living spaces, the seller purchased this home as a Rambler and transformed it into such a Beauty boasting 3200 finished square feet in living space. The new design transformation started in 2005 and includes an entire upper level with an owners ensuite that has a large picture window to delight in wonderful views of the Chesapeake Bay, and gleaming hardwood floors, large walk in closet with custom shelving. There are two other bedrooms and a full bath on this level. The mid-level has a 4th bedroom with wood burning fireplace, and a 5th bedroom with French doors, tile flooring and built in shelving. This room can also be utilized as a home office if needed. There are two additional bathrooms on this level as well as bonus room and a sunroom that overlooks the park-like setting of the back yard and can be accesses from the entry or the bonus room. The 3rd level (main level) has a large living room with a wood burning fireplace, and a dining room... both have hardwood floors. The kitchen is updated (2012) with granite counter tops, stainless steel appliances, island cooktop with seating, and large picture windows to enjoy the beauty of the outdoors. From the kitchen enter the herb garden area and an expansive deck (2017) off kitchen and another deck adjoining that wraps around the back of the home... great for outdoor entertaining! The property sits up yet offers level grounds as well and privacy. There is plenty of space for gardening and an area for wood storage. Other important amenities include a GEO-Thermal heating and cooling system, tile flooring, sky lights, 2 fireplaces, paved driveway and so much more! There is a 2 car attached garage as well as a 2 car garage that sits back from the home for extra parking and boat/toy storage, if needed, and both are very spacious.
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Appliances: Cooktop - Down Draft, Dishwasher, Exhaust Fan, Oven - Self Cleaning, Oven - Wall, Refrigerator, Stainless Steel Appliances
  • Flooring Type: Hardwood, Carpet, Ceramic Tile
  • Fireplaces Count: 2
  • Fireplace: Yes
  • Wall Ceiling Types: Vaulted Ceilings
  • Levels Count: 3+
  • Room List: Living Room, Dining Room, Kitchen, Sun/Florida Room, Office
  • Basement: Yes
  • Basement Type: Outside Entrance, Partial
  • Total Sq Ft: 3200
  • Living Area Sq Ft: 3200
  • Price Per Sq Ft: 135.94
  • Above Grade Finished Sq Ft: 3200
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 11140

Beds/Baths

  • Bedrooms: 5
  • Total Bathrooms: 4
  • Full Bathrooms: 4
  • Upper Level Bathrooms: 4
  • Upper Level Bathrooms: 2.00
  • Upper Level 2 Bathrooms: 2.00
  • Upper Level Full Bathrooms: 2
  • Upper Level 2 Full Bathrooms: 2

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: 2nd Garage
  • Construction Materials: Vinyl Siding
  • View: Bay
  • Water Access Features: Fishing Allowed, Canoe/Kayak, Private Access
  • 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: Yes

Garage/Parking

  • Garage Spaces: 4.00
  • Garage: Yes
  • Parking Features: Asphalt Driveway
  • Garage Features: Garage - Side Entry
  • Attached Garage Spaces: 2
  • Number Of Detached Garage Spaces: 2
  • Total Garage And Parking Spaces: 4
  • Type Of Parking: Attached Garage, Detached Garage

Utilities

  • Refuse: 350.00
  • Central Air Conditioning: Yes
  • Cooling Fuel: Geothermal
  • Cooling Type: Ceiling Fan(s), Central A/C, Geothermal, Programmable Thermostat
  • Heating Fuel: Geo-Thermal
  • Heating Type: Central, Programmable Thermostat
  • Heating: Yes
  • Sewer/Septic System: On Site Septic
  • Water Source: Well

Condo/Co-op/Association

  • HOA Fees: 70.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA: Yes
  • Senior Community: No

Schools

  • School District: CALVERT COUNTY PUBLIC SCHOOLS
  • School District Key: 121139842846
  • School District Source: Listing Agent

Green Features

  • Clean Green Assessed: No

Lot Info

  • Improvement Assessed Value: 133600.00
  • Land Assessed Value: 169300.00
  • Land Use Code: 010
  • Lot Size Acres: 1.55
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 67735.00
  • Outdoor Living Structures: Deck(s)
  • Year Assessed: 2019
  • Zoning: R
  • In City Limits: Yes

Rental Info

  • Ground Rent Exists: No
  • Vacation Rental: No

Tax Info

  • Assessor Parcel Number: 14976614
  • Tax Annual Amount: 3587.00
  • Assessor Parcel Number: 0501191942
  • Tax Lot: 36R
  • Tax Total Finished Sq Ft: 2253
  • County Tax Payment Frequency: Annually
  • Tax Year: 2018
  • Close Date: 03/30/2020

MLS Schools

  • School District Name: CALVERT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jun 1, 2019
Closed on
Mar 30, 2020
Sold by
Chigounis Constantine A and Chigounis Nicole L
Bought by
Stewart Paul N
Seller's Agent
Keely Tolley
RE/MAX One
Buyer's Agent
Judy Szynborski
Berkshire Hathaway HomeServices PenFed Realty
List Price
$459,900
Sold Price
$420,000
Premium/Discount to List
-$39,900
-8.68%
Current Estimated Value
$598,061

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$178,061
Avg. Annual Appreciation
6.55%
Original Mortgage
$336,000
Outstanding Balance
$297,655
Interest Rate
3.4%
Mortgage Type
New Conventional
Estimated Equity
$300,406

Purchase Details

Closed on
Apr 1, 2005
Sold by
Collins Doris Lillian
Bought by
Chigounis Constantine A and Chigounis Nicole L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$18,000
Interest Rate
5.61%
Mortgage Type
New Conventional

Purchase Details

Closed on
Mar 10, 2005
Sold by
Collins Doris Lilian
Bought by
Chigounis Constance A and Chigounis Nicole L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$18,000
Interest Rate
5.61%
Mortgage Type
New Conventional

Purchase Details

Closed on
Nov 14, 2001
Sold by
Collins Charles Lindbergh
Bought by
Collins Doris Lillian

Purchase Details

Closed on
Nov 21, 1996
Sold by
Collins Charles L
Bought by
Collins Charles Lindbergh and Collins Doris Lillian
Source: Public Records

Range of Values:

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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 Buyer Sale Price Title Company
Stewart Paul N $420,000 None Available
Chigounis Constantine A $330,000 --
Chigounis Constance A $330,000 None Available
Collins Doris Lillian -- --
Collins Charles Lindbergh -- --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Stewart Paul N $336,000
Previous Owner Chigounis Constantine A $18,000
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
03/30/2020 03/30/20 Sold $420,000 0.0% $131 / Sq Ft
01/05/2020 01/05/20 Off Market $420,000 -- --
10/14/2019 10/14/19 Price Changed $435,000 -5.4% $136 / Sq Ft
10/08/2019 10/08/19 Price Changed $459,900 0.0% $144 / Sq Ft
10/08/2019 10/08/19 For Sale $459,900 +9.5% $144 / Sq Ft
10/03/2019 10/03/19 Off Market $420,000 -- --
08/30/2019 08/30/19 Price Changed $449,900 -2.2% $141 / Sq Ft
06/01/2019 06/01/19 For Sale $459,900 0.0% $144 / Sq Ft
05/28/2019 05/28/19 Price Changed $459,900 -- $144 / Sq Ft
Source: Bright MLS

Tax History Compared to Growth

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 $5,104 $492,700 $0 $0
2024 $5,104 $452,900 $0 $0
2023 $4,506 $413,100 $169,300 $243,800
2022 $4,121 $376,367 $0 $0
2021 $8,243 $339,633 $0 $0
2020 $3,367 $302,900 $169,300 $133,600
2019 $3,177 $302,900 $169,300 $133,600
2018 $3,177 $302,900 $169,300 $133,600
2017 $3,412 $306,200 $0 $0
2016 -- $303,500 $0 $0
2015 $3,558 $300,800 $0 $0
2014 $3,558 $298,100 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDCA169052

Bright MLS

APN: 01-191942