Estimated payment $3,330/month
Total Views
5,279
3
Beds
3
Baths
2,600
Sq Ft
$208
Price per Sq Ft
Highlights
- 30 Feet of Waterfront
- Beach
- Boat Ramp
- 1 Dock Slip
- Pier or Dock
- Fishing Allowed
About This Home
***Assumable VA Loan with a 2.25% Interest rate*** Welcome to 12951 Mills Creek Dr., a fully renovated waterfront retreat with 3 bedrooms, 3 full baths, and over 2,600 sqft of living space. Located in the peaceful Drum Point community, this home features an open floor plan, vaulted ceilings, hardwood floors, and abundant natural light throughout.
Enjoy relaxing year-round in the 220 sqft screened-in porch, which lives like a second living room and overlooks serene Mills Creek, perfect for kayaking and fishing right from your backyard. The main level offers plush carpeting in bedrooms, a washer and dryer for convenience, and a well-appointed kitchen ideal for entertaining. The finished lower level includes high-quality vinyl flooring, a cozy fireplace, a bedroom, a full bath, and a flexible space perfect for a home office or 4th bedroom. A large indoor workshop and generous storage areas provide added functionality.
You'll love the quiet neighborhood, where friendly neighbors enjoy walks throughout the day. As a bonus, residents have access to private community amenities, including a boat ramp, beach, and clubhouse. If you’re looking for style, comfort, and direct water access, this home is the one. Don’t miss your chance to own this stunning slice of waterfront paradise in Lusby, MD!
The buyer of this home also has the rare opportunity to purchase the neighboring lot at 12947 Mills Creek Dr., Lusby, MD 20657 (MLS# MDCA2022010) for $60,000. This additional parcel offers extra privacy, space for future expansion, or the potential to build your dream guesthouse, garage, or water-access getaway.
Listing Agent
Realty One Group Performance, LLC License #0225221412 Listed on: 07/05/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,469
Year Built
- Built in 1990
Lot Details
- 0.34 Acre Lot
- 30 Feet of Waterfront
- Home fronts navigable water
- Creek or Stream
- Tidal Wetland on Lot
- Property is in excellent condition
HOA Fees
- $16 Monthly HOA Fees
Home Design
- Split Foyer
- Block Foundation
- Asphalt Roof
- Vinyl Siding
Interior Spaces
- Property has 2 Levels
- Open Floorplan
- Furnished
- Cathedral Ceiling
- Ceiling Fan
- Gas Fireplace
- Window Treatments
- Great Room
- Family Room
- Living Room
- Den
- Workshop
- Creek or Stream Views
Kitchen
- Country Kitchen
- Breakfast Area or Nook
- Electric Oven or Range
- Range Hood
- Microwave
- Dishwasher
Flooring
- Wood
- Carpet
Bedrooms and Bathrooms
- En-Suite Primary Bedroom
- En-Suite Bathroom
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Finished Basement
- Walk-Out Basement
- Connecting Stairway
- Exterior Basement Entry
Parking
- Circular Driveway
- Off-Street Parking
Outdoor Features
- Canoe or Kayak Water Access
- Personal Watercraft
- Boat Ramp
- 1 Dock Slip
- Private Dock
- Stream or River on Lot
- Powered Boats Permitted
- Lake Privileges
- Deck
- Screened Patio
- Shed
- Porch
Schools
- Patuxent High School
Utilities
- Forced Air Heating System
- Heat Pump System
- Vented Exhaust Fan
- Propane
- Well
- Electric Water Heater
- Approved Septic System
- Cable TV Available
Listing and Financial Details
- Tax Lot 34
- Assessor Parcel Number 0501165984
Community Details
Overview
- Association fees include road maintenance
- Drum Point Association
- Drum Point Subdivision
Amenities
- Community Center
Recreation
- Pier or Dock
- Beach
- Fishing Allowed
- Recreational Area
Map
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Home Values in the Area
Average Home Value in this Area
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 | $4,489 | $411,100 | $0 | $0 |
| 2024 | $4,489 | $379,700 | $0 | $0 |
| 2023 | $4,008 | $348,300 | $120,500 | $227,800 |
| 2022 | $3,563 | $342,900 | $0 | $0 |
| 2021 | $7,897 | $337,500 | $0 | $0 |
| 2020 | $2,031 | $332,100 | $120,500 | $211,600 |
| 2019 | $1,993 | $317,100 | $0 | $0 |
| 2018 | $1,936 | $302,100 | $0 | $0 |
| 2017 | $1,912 | $287,100 | $0 | $0 |
| 2016 | -- | $287,100 | $0 | $0 |
| 2015 | $3,767 | $287,100 | $0 | $0 |
| 2014 | $3,767 | $290,200 | $0 | $0 |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/22/2025 07/22/25 | Pending | -- | -- | -- |
| 07/05/2025 07/05/25 | For Sale | $540,000 | -- | $208 / Sq Ft |
Source: Bright MLS
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $340,000 | Tri County Abstract Inc | |
| Deed | $299,900 | -- | |
| Deed | $25,000 | -- | |
| Deed | $11,500 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $300,000 | New Conventional | |
| Previous Owner | $200,000 | Credit Line Revolving | |
| Previous Owner | $75,000 | Unknown |
Source: Public Records
Similar Homes in Lusby, MD
Source: Bright MLS
MLS Number: MDCA2021996
APN: 01-165984
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