NOT LISTED FOR SALE

12039 Settlers Trail Lusby, MD 20657

Estimated Value: $676,437 - $710,000

6 Beds
5.5 Baths
5,605 Sq Ft
$124/Sq Ft Est. Value

Last Sold February 21, 2025

Last sale price $679,900 $121 Per Sq Ft

Est. 2% increase in value since last sale

Current estimated payment $4,309/month

81 Days on Market

Highlights

  • Second Kitchen
  • Open Floorplan
  • Deck
  • Eat-In Gourmet Kitchen
  • Colonial Architecture
  • Engineered Wood Flooring

About This Home

As of February 2025

Welcome to this Stunning, very spacious, Fully Renovated Home in a beautiful neighborhood. Your dream home with 2 Large Gorgeous Master suites! This bright and spacious 3-level residence boasts 5,605 sqft of beautifully reimagined living space. The open-concept layout is perfect for modern living, featuring a gourmet kitchen with abundant storage to satisfy all your culinary needs. Enjoy the seamless flow between living areas, ideal for entertaining and family gatherings.

Nestled in the charming community of Lusby, you'll enjoy a peaceful suburban lifestyle while being just minutes away from beautiful Chesapeake Bay beaches and parks. The area offers excellent schools, local shops, and recreational activities for the whole family. With new renovations throughout, this home combines classic charm with contemporary finishes. Don’t miss the opportunity to own this exceptional property that perfectly balances comfort, style, and the best of Lusby living!

Last Agent to Sell the Property

Iftikhar Khan

RE/MAX Galaxy License #672522 Listed on: 10/31/2024

RE/MAX Galaxy

Last Buyer's Agent

Isabel Barrows

Real Broker, LLC License #0225256740

Real Broker, LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,912

Year Built

  • Built in 1995 | Remodeled in 2024

Lot Details

  • 0.25 Acre Lot
  • Property is in excellent condition

HOA Fees

  • $61 Monthly HOA Fees

Parking

  • 3 Car Direct Access Garage
  • 6 Driveway Spaces
  • Front Facing Garage
  • Garage Door Opener

Home Design

  • Colonial Architecture
  • Brick Foundation
  • Slab Foundation
  • Architectural Shingle Roof
  • Vinyl Siding

Interior Spaces

  • Property has 3 Levels
  • Open Floorplan
  • 1 Fireplace

Kitchen

  • Eat-In Gourmet Kitchen
  • Second Kitchen
  • Electric Oven or Range
  • Microwave
  • Dishwasher
  • Kitchen Island
  • Upgraded Countertops

Flooring

  • Engineered Wood
  • Carpet
  • Ceramic Tile
  • Luxury Vinyl Plank Tile

Bedrooms and Bathrooms

Laundry

  • Laundry on main level
  • Dryer
  • Washer

Finished Basement

  • Walk-Out Basement
  • Rear Basement Entry
  • Sump Pump
  • Laundry in Basement

Outdoor Features

  • Deck

Utilities

  • Forced Air Zoned Heating and Cooling System
  • Heat Pump System
  • Pellet Stove burns compressed wood to generate heat
  • Vented Exhaust Fan
  • 60 Gallon+ Water Heater
  • Community Sewer or Septic

Community Details

  • Property Owners Association Chesapeake Ranch Esta HOA
  • Chesapeake Ranch Estates Subdivision

Listing and Financial Details

  • Tax Lot 20R
  • Assessor Parcel Number 0501077155

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,912

Year Built

Built in 1995 | Remodeled in 2024

Lot Details

0

HOA Fees

$61 per month

Parking

3

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Colonial
  • Ownership: Fee Simple
  • Historic: No
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Year Built: 1995
  • Year Renovated: 2024
  • Automatically Close On Close Date: No
  • Remarks Public: Welcome to this Stunning, very spacious, Fully Renovated Home in a beautiful neighborhood. Your dream home with 2 Large Gorgeous Master suites! This bright and spacious 3-level residence boasts 5,605 sqft of beautifully reimagined living space. The open-concept layout is perfect for modern living, featuring a gourmet kitchen with abundant storage to satisfy all your culinary needs. Enjoy the seamless flow between living areas, ideal for entertaining and family gatherings. Nestled in the charming community of Lusby, you'll enjoy a peaceful suburban lifestyle while being just minutes away from beautiful Chesapeake Bay beaches and parks. The area offers excellent schools, local shops, and recreational activities for the whole family. With new renovations throughout, this home combines classic charm with contemporary finishes. Don’t miss the opportunity to own this exceptional property that perfectly balances comfort, style, and the best of Lusby living!
  • Special Features: NewHome
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Dryer, Exhaust Fan, Microwave, Oven/Range - Electric, Refrigerator, Washer, Water Heater
  • Flooring Type: Carpet, Ceramic Tile, Engineered Wood, Luxury Vinyl Plank
  • Interior Amenities: 2nd Kitchen, Carpet, Floor Plan - Open, Kitchen - Gourmet, Kitchen - Island, Kitchen - Table Space, Pantry, Stove - Pellet, Upgraded Countertops, Wood Floors
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Foundation Details: Brick/Mortar, Slab
  • Levels Count: 3
  • Basement: Yes
  • Basement Type: Fully Finished, Outside Entrance, Rear Entrance, Sump Pump, Walkout Level
  • Basement Finished Percent: 100.00
  • Laundry Type: Basement, Main Floor
  • Total Sq Ft: 5605
  • Living Area Sq Ft: 5605
  • Price Per Sq Ft: 170.96
  • Above Grade Finished Sq Ft: 3977
  • Below Grade Finished Sq Ft: 1628
  • Total Below Grade Sq Ft: 1628
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 12039

Beds/Baths

  • Bedrooms: 6
  • Main Level Bedrooms: 1
  • All Lower Level Bedrooms: 1
  • Lower Level Bedroom: 1
  • Total Bathrooms: 6
  • Full Bathrooms: 5
  • Half Bathrooms: 1
  • Main Level Bathrooms: 2.00
  • Upper Level Bathrooms: 3
  • Lower Levels Bathrooms: 1
  • Upper Level Bathrooms: 3.00
  • Lower Levels Bathrooms: 1.00
  • Main Level Full Bathrooms: 1
  • Upper Level Full Bathrooms: 3
  • Lower Level Full Bathrooms: 1
  • Lower Level Full Bathrooms: 1
  • Main Level Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Vinyl Siding
  • Roof: Architectural Shingle
  • Spa: No
  • Water Access: No
  • Waterfront: No
  • Water Oriented: No
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage Spaces: 3.00
  • Garage: Yes
  • Parking Features: Asphalt Driveway
  • Garage Features: Garage - Front Entry, Garage Door Opener, Inside Access, Oversized
  • Attached Garage Spaces: 3
  • Total Garage And Parking Spaces: 9
  • Type Of Parking: Driveway, Attached Garage
  • Number of Spaces in Driveway: 6

Utilities

  • Refuse: 350.00
  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C, Zoned
  • Heating Fuel: Electric
  • Heating Type: Heat Pump(s), Central, Zoned
  • Heating: Yes
  • Hot Water: 60+ Gallon Tank
  • Sewer/Septic System: Community Septic Tank
  • Water Source: Public

Condo/Co-op/Association

  • HOA Fees: 729.06
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Name: PROPERTY OWNERS ASSOCIATION CHESAPEAKE RANCH ESTA
  • HOA: Yes
  • Senior Community: No
  • Association Recreation Fee: No

Schools

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

Lot Info

  • Horses: No
  • Additional Parcels: No
  • Land Use Code: R
  • Lot Size Acres: 0.25
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 10890.00
  • Outdoor Living Structures: Deck(s)
  • Property Condition: Excellent
  • Year Assessed: 2024
  • Zoning: R-1
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Lease Considered: No
  • Vacation Rental: No
  • Property Manager: No

Tax Info

  • Tax Annual Amount: 5912.00
  • Assessor Parcel Number: 0501077155
  • Tax Lot: 20R
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024
  • Close Date: 02/21/2025

MLS Schools

  • School District Name: CALVERT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 31, 2024
Closed on
Feb 21, 2025
Sold by
Tichi Property Llc
Bought by
Dull Amber M and Carvallo Manuel A
Seller's Agent
Iftikhar Khan
RE/MAX Galaxy
Buyer's Agent
Isabel Barrows
Real Broker, LLC
List Price
$679,900
Sold Price
$679,900
Views
162
Current Estimated Value
$694,109

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$14,209
Avg. Annual Appreciation
3.06%
Original Mortgage
$667,584
Outstanding Balance
$664,756
Interest Rate
6.89%
Mortgage Type
FHA
Estimated Equity
$26,301

Purchase Details

Closed on
May 23, 2024
Sold by
Jone Robert A
Bought by
Tichi Property Llc

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$264,300
Interest Rate
6.88%
Mortgage Type
Construction

Purchase Details

Closed on
Sep 1, 2016
Sold by
Gerlach Margaret Ann and Cross Margaret A
Bought by
Gerlach Margaret Ann

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$263,375
Interest Rate
3.43%
Mortgage Type
New Conventional

Purchase Details

Closed on
Nov 8, 2013
Sold by
Cross Ronald D and Cross Margaret A
Bought by
Cross Margaret A

Purchase Details

Closed on
Jul 24, 1995
Sold by
Quality Built Homes
Bought by
Cross Ronald D

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$118,047
Interest Rate
7.49%

Purchase Details

Closed on
Jun 29, 1993
Sold by
Thompson Robert
Bought by
Quality Built Homes Inc
Source: Public Records

Range of Values:

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Average Value
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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
Dull Amber M $679,900 Elevated Title
Tichi Property Llc $311,000 None Listed On Document
Gerlach Margaret Ann -- Attorney
Cross Margaret A -- None Available
Cross Ronald D $118,876 --
Quality Built Homes Inc $8,500 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Dull Amber M $667,584
Previous Owner Tichi Property Llc $264,300
Previous Owner Gerlach Margaret Ann $263,375
Previous Owner Cross Ronald D $90,000
Previous Owner Cross Ronald D $118,047
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
02/21/2025 02/21/25 Sold $679,900 0.0% $121 / Sq Ft
01/21/2025 01/21/25 For Sale $679,900 0.0% $121 / Sq Ft
01/16/2025 01/16/25 Off Market $679,900 -- --
12/14/2024 12/14/24 Price Changed $679,900 -2.9% $121 / Sq Ft
11/15/2024 11/15/24 Price Changed $699,900 -3.4% $125 / Sq Ft
10/31/2024 10/31/24 For Sale $724,900 0.0% $129 / Sq Ft
03/05/2019 03/05/19 Rented $1,200 0.0% --
03/03/2019 03/03/19 Under Contract -- -- --
02/02/2019 02/02/19 For Rent $1,200 0.0% --
02/08/2018 02/08/18 Rented $1,200 0.0% --
02/08/2018 02/08/18 Under Contract -- -- --
12/18/2017 12/18/17 For Rent $1,200 -- --
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 $5,934 $550,100 $0 $0
2024 $5,934 $509,900 $0 $0
2023 $5,034 $469,700 $55,200 $414,500
2022 $4,682 $450,633 $0 $0
2021 $5,108 $431,567 $0 $0
2020 $4,727 $412,500 $55,200 $357,300
2019 $4,152 $395,767 $0 $0
2018 $3,976 $379,033 $0 $0
2017 $4,228 $362,300 $0 $0
2016 -- $362,300 $0 $0
2015 $4,762 $362,300 $0 $0
2014 $4,762 $368,700 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDCA2018316

Bright MLS

APN: 01-077155