$469,000
SOLD JUN 5, 2026

12221 Concho Ct Lusby, MD 20657

3 Beds
3.5 Baths
2,840 Sq Ft
0.75 Acres Lot

Sale Details

Date Sold: June 5, 2026

$165 Per Sq Ft

5 Days on Market

Highlights

  • 100 Feet of Waterfront
  • Private Water Access
  • Deck
  • 1 Boat Dock
  • Cape Cod Architecture
  • Vaulted Ceiling

About This Home

As of June 2026

Welcome home to 12221 Concho Ct, a stunning lakefront Cape Cod offering the perfect combination of charm, space, and exceptional indoor and outdoor living. From the inviting wraparound front porch to the beautifully landscaped yard and private dock on Lake Lariat, this home delivers the peaceful waterfront lifestyle you’ve been searching for. From the moment you arrive, the home’s curb appeal is impossible to miss. Mature landscaping surrounds the property, creating a private and inviting setting, while the charming wraparound front porch provides the perfect place to relax and enjoy the peaceful surroundings. Step inside to find fresh paint and brand-new carpet throughout, giving the home a bright and updated feel. The impressive two-story family room is filled with natural light from oversized windows and features soaring vaulted ceilings and a cozy fireplace that serves as the centerpiece of the home. The open and functional layout is ideal for both everyday living and entertaining. The kitchen offers stainless steel appliances, granite countertops, ample cabinet space, and a pantry for additional storage. Just off the kitchen is a formal dining room, perfect for hosting holiday gatherings and dinners. The main level also includes a private office, ideal for working from home or creating a quiet flex space. The spacious main-level primary suite is a true retreat. Featuring its own fireplace, a walk-in closet, and a beautifully renovated bathroom, this space feels like a luxury getaway. The spa-inspired bathroom showcases luxurious dual vanities, beautiful custom tile work, and a gorgeous tiled shower that serves as the showpiece of the suite. Upstairs, you’ll find two generously sized bedrooms with great closet space and access to a full bathroom. The fully finished basement provides even more living space and includes a full bathroom, making it perfect for guests, a recreation room, home gym, media room, or additional entertaining space. The outdoor living areas are where this property truly stands apart. The backyard is designed for entertaining and enjoying waterfront living to the fullest. Relax on the large deck overlooking the yard, gather around the expansive paver patio or firepit, or unwind in the hot tub after a long day. The property also features its own private dock on Lake Lariat, offering direct access to the water for kayaking, fishing, or simply enjoying the peaceful lake views. In addition to the oversized attached two-car garage with built-in cabinetry, the home also features an additional connected workshop area, perfect for hobbies, tools, or extra storage. A massive detached shed with electricity and its own deck area adds even more versatility and functionality to the house. Centrally located in Lusby, you are a quick drive to PAX Naval base and close to schools, shopping, parks, and entertainment. This one-of-a-kind waterfront home offers the perfect blend of charm, modern updates, flexible living space, and incredible outdoor amenities in a serene setting. Opportunities like this do not come along often.

Last Agent to Sell the Property

Christopher Clemons

(443) 968-9595 tommy.higgins@c21nm.com CENTURY 21 New Millennium Brokerage Phone: 4439689595 License #665495 Listed on: 05/07/2026

CENTURY 21 New Millennium

Last Buyer's Agent

Adam Chambers

(301) 684-4895 trinicely@gmail.com JPAR Real Estate Professionals License #666437

JPAR Real Estate Professionals

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,752

Year Built

  • Built in 1994

Lot Details

  • 32,670 Sq Ft Lot
  • 100 Feet of Waterfront

HOA Fees

  • $50 Monthly HOA Fees

Parking

  • 2 Car Direct Access Garage
  • 4 Driveway Spaces
  • Basement Garage
  • Oversized Parking
  • Side Facing Garage
  • Garage Door Opener

Home Design

  • Cape Cod Architecture
  • Vinyl Siding
  • Concrete Perimeter Foundation

Interior Spaces

  • Property has 3 Levels
  • Vaulted Ceiling
  • Ceiling Fan
  • Brick Fireplace

Bedrooms and Bathrooms

Finished Basement

  • Heated Basement
  • Interior Basement Entry
  • Garage Access

Outdoor Features

  • Private Water Access
  • Property is near a lake
  • 1 Boat Dock
  • Private Dock Site
  • Dock made with Treated Lumber
  • Deck
  • Patio
  • Shed
  • Wrap Around Porch

Utilities

  • Central Air
  • Heat Pump System
  • Electric Water Heater
  • Septic Tank

Community Details

  • Chesapeake Ranch Estates Subdivision

Listing and Financial Details

  • Tax Lot 7
  • Assessor Parcel Number 0501125591

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,752

Year Built

Built in 1994

Lot Details

0.75 Acres

HOA Fees

$50 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Cape Cod
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Year Built: 1994
  • Automatically Close On Close Date: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Fireplace Features: Brick
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Foundation Details: Concrete Perimeter
  • Levels Count: 3
  • Basement: Yes
  • Basement Type: Fully Finished, Garage Access, Improved, Heated, Interior Access
  • Total Sq Ft: 3009
  • Living Area Sq Ft: 2840
  • Price Per Sq Ft: 268.31
  • Above Grade Finished Sq Ft: 1748
  • Below Grade Finished Sq Ft: 1092
  • Below Grade Sq Ft: 169
  • Total Below Grade Sq Ft: 1261
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 3
  • Main Level Bedrooms: 1
  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Main Level Bathrooms: 2.00
  • Upper Level Bathrooms: 1
  • Lower Levels Bathrooms: 1
  • Upper Level Bathrooms: 1.00
  • Lower Levels Bathrooms: 1.00
  • Main Level Full Bathrooms: 1
  • Lower Level Full Bathrooms: 1
  • Main Level Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Shed
  • Construction Materials: Vinyl Siding
  • Water Access Features: Private Access
  • Water Access: Yes
  • Water Body Name: Lake Lariat
  • Water Body Type: Lake
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Water View: No
  • Water Frontage In Feet: 100

Garage/Parking

  • Garage Spaces: 2.00
  • Garage: Yes
  • Garage Features: Basement Garage, Garage - Side Entry, Garage Door Opener, Inside Access, Oversized
  • Attached Garage Spaces: 2
  • Total Garage And Parking Spaces: 6
  • Type Of Parking: Driveway, Attached Garage
  • Number of Spaces in Driveway: 4

Utilities

  • Refuse: 350.00
  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C, Ceiling Fan(s)
  • Heating Fuel: Electric
  • Heating Type: Heat Pump(s)
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Septic Exists
  • Water Source: Public

Condo/Co-op/Association

  • HOA Fees: 600.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA: Yes
  • Senior Community: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Lot Size Acres: 0.75
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 32670.00
  • Outdoor Living Structures: Porch(es), Patio(s), Deck(s), Wrap Around
  • Zoning: R
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 4752.00
  • Assessor Parcel Number: 0501125591
  • Tax Lot: 7
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

Multi Family

  • Waterfront Features: Private Dock Site

MLS Schools

  • School District Name: CALVERT COUNTY PUBLIC SCHOOLS

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
May 7, 2026
Closed on
Jun 5, 2026
Sold by
Bought by
Seller's Agent
Christopher Clemons
CENTURY 21 New Millennium
Buyer's Agent
Adam Chambers
JPAR Real Estate Professionals
List Price
$469,000
Sold Price
$469,000
Views
46

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-54.61%
Original Mortgage
$396,900
Outstanding Balance
$396,900
Interest Rate
6.23%
Mortgage Type
VA
Estimated Equity
$53,940

Purchase Details

Listed on
Aug 27, 2015
Closed on
Dec 21, 2015
Sold by
Bought by
Seller's Agent
Michael Stroud
Berkshire Hathaway HomeServices PenFed Realty
Buyer's Agent
Jessica Adams
RE/MAX Realty Group
List Price
$299,999
Sold Price
$257,000
Premium/Discount to List
-$42,999
-14.33%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.92%
Original Mortgage
$244,150
Interest Rate
3.98%
Mortgage Type
New Conventional

Purchase Details

Closed on
Mar 4, 2004
Sold by
Bought by

Purchase Details

Closed on
Nov 12, 1998
Sold by
Bought by

Purchase Details

Closed on
Nov 2, 1993
Sold by
Bought by
Source: Public Records
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Deed $257,000 First American Title Ins Co
Deed $254,900 --
Deed $163,500 --
Deed $14,500 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $244,150 New Conventional
Closed -- No Value Available
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
06/05/2026 06/05/26 Sold $469,000 0.0% $165 / Sq Ft
05/12/2026 05/12/26 Pending -- -- --
05/07/2026 05/07/26 For Sale $469,000 +82.5% $165 / Sq Ft
12/21/2015 12/21/15 Sold $257,000 -1.2% $147 / Sq Ft View Prior Sale
10/16/2015 10/16/15 Pending -- -- --
09/29/2015 09/29/15 Price Changed $260,000 -7.1% $149 / Sq Ft
09/28/2015 09/28/15 Price Changed $280,000 -6.7% $160 / Sq Ft
08/27/2015 08/27/15 For Sale $299,999 -- $172 / Sq Ft
Source: Bright MLS

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

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 $4,779 $402,367 $0 $0
2024 $4,438 $371,233 $0 $0
2023 $3,688 $340,100 $59,500 $280,600
2022 $3,473 $334,267 $0 $0
2021 $7,798 $328,433 $0 $0
2020 $1,955 $322,600 $59,500 $263,100
2019 $3,137 $299,067 $0 $0
2018 $2,890 $275,533 $0 $0
2017 $3,054 $252,000 $0 $0
2016 -- $252,000 $0 $0
2015 $3,389 $252,000 $0 $0
2014 $3,389 $255,300 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDCA2027006

Bright MLS

APN: 01-125591

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