$597,000
OPEN SAT 11AM - 2PM

12963 Mills Creek Dr Lusby, MD 20657

Estimated payment $3,576/month

Total Views 63
4 Beds
3.5 Baths
2,082 Sq Ft
$287 Price per Sq Ft

Highlights

  • 129 Feet of Waterfront
  • Access to Tidal Water
  • Fishing Allowed
  • 1 Dock Slip
  • Greenhouse
  • Creek or Stream View

About This Home

Assumable financing.
Nestled in the prestigious Drum Point community, this exquisite A-Frame residence offers a harmonious blend of luxury and comfort, perfectly situated on a generous 0.56-acre lot. Inside you will find many extras; such as, electric blinds, ceiling fans, stainless steel appliances, lots of ceiling fans, and a first floor Master. The property boasts an impressive 129 feet of waterfront along 2 lots, including 2 piers, all situated on the serene Mill Creek, providing an idyllic backdrop for a lifestyle centered around nature and tranquility. As you approach the home, you are greeted by meticulously landscaped grounds that enhance the property's curb appeal. The exterior features include, elegant exterior lighting, and a well-designed gutter system, all contributing to the home's refined aesthetic. A spacious driveway leads to a front-entry garage, offering ample parking and additional storage space. Step outside to discover a private oasis designed for relaxation and entertainment. The expansive deck and patio areas invite you to unwind while soaking in the picturesque views of the creek and surrounding greenery. A charming gazebo and a greenhouse add to the allure, providing perfect spots for gardening enthusiasts or those seeking a peaceful retreat. The lot features a delightful mix of partly wooded areas and open spaces, creating a sense of privacy and seclusion. Enjoy the gentle sounds of the nearby creek, while fishing, or take advantage of the private access to the water for kayaking, canoeing, or simply enjoying a day on the water. The property also includes two private docks, ideal for boating enthusiasts looking to explore the waterways. Inside, the home is equally impressive, featuring a fully finished basement with a walkout, allowing for seamless indoor-outdoor living. The main living area is anchored by a cozy gas fireplace, perfect for gathering with loved ones on cooler evenings. With four spacious bedrooms and three and a half bathrooms, this residence offers ample space for relaxation and privacy. This exceptional property is not just a home; it's a lifestyle. Experience the perfect blend of luxury, nature, and comfort in this stunning Drum Point residence, where every day feels like a getaway. Embrace the tranquility of waterfront living while enjoying the convenience of nearby commuter lots and local amenities. Your dream home awaits!

Listing Agent

Mike Sweeney

mscorp61@gmail.com Taylor Properties License #676607 Listed on: 10/18/2025

Open House Schedule

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,768

Year Built

  • Built in 1987

Lot Details

  • 0.56 Acre Lot
  • Lot Dimensions are 140' x 197'
  • 129 Feet of Waterfront
  • Home fronts navigable water
  • Creek or Stream
  • Board Fence
  • Landscaped
  • Private Lot
  • Partially Wooded Lot
  • Tidal Wetland on Lot
  • Additional Land
  • Property is in excellent condition
  • Zoning described as Drum Point

HOA Fees

  • $14 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • 2 Driveway Spaces
  • Parking Storage or Cabinetry
  • Front Facing Garage
  • Side Facing Garage
  • Garage Door Opener

Home Design

  • A-Frame Home
  • Entry on the 2nd floor
  • Slab Foundation
  • Advanced Framing
  • Frame Construction
  • Blown-In Insulation
  • Batts Insulation
  • Architectural Shingle Roof
  • Asphalt Roof
  • Vinyl Siding
  • Stick Built Home
  • Chimney Cap

Interior Spaces

  • Property has 3 Levels
  • Ceiling Fan
  • Self Contained Fireplace Unit Or Insert
  • Fireplace Mantel
  • Gas Fireplace
  • Creek or Stream Views

Bedrooms and Bathrooms

Finished Basement

  • Heated Basement
  • Walk-Out Basement
  • Rear Basement Entry
  • Basement Windows

Home Security

  • Carbon Monoxide Detectors
  • Fire and Smoke Detector
  • Flood Lights

Accessible Home Design

  • Halls are 36 inches wide or more
  • More Than Two Accessible Exits

Outdoor Features

  • Access to Tidal Water
  • Canoe or Kayak Water Access
  • Private Water Access
  • Personal Watercraft
  • Swimming Allowed
  • 1 Dock Slip
  • Physical Dock Slip Conveys
  • Dock made with Treated Lumber
  • Stream or River on Lot
  • Powered Boats Permitted
  • Deck
  • Patio
  • Exterior Lighting
  • Greenhouse
  • Gazebo
  • Outbuilding
  • Rain Gutters
  • Porch

Schools

  • Dowell Elementary School
  • Mill Creek Middle School
  • Patuxent High School

Utilities

  • Central Air
  • Heat Pump System
  • Back Up Electric Heat Pump System
  • 200+ Amp Service
  • 60 Gallon+ Electric Water Heater
  • Well
  • Municipal Trash
  • Gravity Septic Field
  • On Site Septic
  • Cable TV Available

Listing and Financial Details

  • Tax Lot 31R
  • Assessor Parcel Number 0501172034

Community Details

Overview

  • Drum Point Property Owners Association
  • Drum Point Subdivision
  • Property Manager

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,768

Year Built

Built in 1987

Lot Details

0

HOA Fees

$14 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: A-Frame
  • Accessibility Features: 2+ Access Exits, 36"+ Wide Halls
  • Ownership: Fee Simple
  • Historic: No
  • Inclusions: Green House Gas Fireplace Insert
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Expected On Market: 10/18/2025 12:00:00 AM
  • Federal Flood Zone: No
  • Year Built: 1987
  • Building Winterized: No
  • Special Features: OpenHouse
  • Property Sub Type: Detached

Interior Features

  • Entry Floor: 2
  • Other Equipment: Negotiable
  • Fireplace Features: Gas/Propane, Insert, Mantel(s)
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Foundation Details: Slab
  • Levels Count: 3
  • Room List: Bedroom 2, Bedroom 3, Bedroom 1, Bathroom 1, Bathroom 2, Half Bath
  • Basement: Yes
  • Basement Type: Daylight, Partial, Fully Finished, Heated, Improved, Outside Entrance, Rear Entrance, Walkout Level, Windows
  • Basement Footprint Percent: 100.00
  • Total Sq Ft: 3760
  • Living Area Sq Ft: 2082
  • Price Per Sq Ft: 286.74
  • Above Grade Finished Sq Ft: 2082
  • Above Grade Unfinished Sq Ft: 506
  • Below Grade Sq Ft: 1172
  • Total Below Grade Sq Ft: 1172
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 4
  • Main Level Bedrooms: 1
  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 2
  • Lower Levels Bathrooms: 1
  • Upper Level Bathrooms: 2.00
  • Lower Levels Bathrooms: 1.00
  • Lower Level Full Bathrooms: 1
  • Main Level Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade
  • Other Structures List: Gazebo, Greenhouse
  • Construction Materials: Advanced Framing, Batts Insulation, Blown-In Insulation, Frame, Stick Built, Vinyl Siding
  • Exterior Features: Chimney Cap(s), Exterior Lighting, Flood Lights, Gutter System, Outbuilding(s)
  • Roof: Architectural Shingle, Asphalt
  • Spa: No
  • View: Creek/Stream
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Private Access, Swimming Allowed
  • Water Access: Yes
  • Water Body Name: Mill Creek
  • Water Body Type: Creek/Stream
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: Yes
  • Water View: Yes
  • Water Frontage In Feet: 129

Garage/Parking

  • Garage Spaces: 2.00
  • Garage: Yes
  • Garage Features: Additional Storage Area, Built In, Garage - Front Entry, Garage Door Opener, Garage - Side Entry
  • Attached Garage Spaces: 2
  • Total Garage And Parking Spaces: 4
  • Type Of Parking: Attached Garage, Driveway
  • Number of Spaces in Driveway: 2

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C, Heat Pump(s), Ceiling Fan(s)
  • Electric Service: 200+ Amp Service
  • Heating Fuel: Electric
  • Heating Type: Heat Pump - Electric Backup
  • Heating: Yes
  • Hot Water: 60+ Gallon Tank, Electric
  • Security: Carbon Monoxide Detector(s), Fire Detection System, Main Entrance Lock
  • Sewer/Septic System: Gravity Sept Fld, On Site Septic
  • Utilities: Cable Tv Available, Electric Available
  • Water Source: Well, Private
  • Municipal Trash: Yes
  • Internet Services: Cable

Condo/Co-op/Association

  • HOA Fees: 165.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Name: DRUM POINT PROPERTY OWNERS ASSOCIATION
  • HOA: Yes
  • Senior Community: No
  • Association Recreation Fee: No

Schools

  • Elementary School Source: Listing Agent
  • High School Source: Listing Agent
  • Middle School Source: Listing Agent
  • School District Source: Listing Agent
  • Elementary School: DOWELL
  • High School: PATUXENT
  • Middle Or Junior School: MILL CREEK

Lot Info

  • Fencing: Board
  • Lot Features: Additional Lot(s), Fishing Available, Landscaping, Partly Wooded, Private, Stream/Creek, Tidal Wetland
  • Lot Size Acres: 0.56
  • Lot Dimensions: 140' X 197'
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 24394.00
  • Outdoor Living Structures: Deck(s), Patio(s), Porch(es)
  • Property Condition: Excellent
  • Zoning: R-1
  • Zoning Description: Drum Point
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Lease Considered: No
  • Pets: No Pet Restrictions
  • Pets Allowed: Yes
  • Vacation Rental: No
  • Property Manager: Yes

Tax Info

  • Tax Annual Amount: 4768.00
  • Assessor Parcel Number: 0501172034
  • Tax Lot: 31R
  • Tax Year: 2025

Multi Family

  • Waterfront Features: Private Dock Site

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 $4,563 $456,467 $0 $0
2024 $4,563 $403,933 $0 $0
2023 $4,040 $351,400 $157,900 $193,500
2022 $3,967 $344,700 $0 $0
2021 $7,935 $338,000 $0 $0
2020 $3,779 $331,300 $157,900 $173,400
2019 $3,475 $331,300 $157,900 $173,400
2018 $3,475 $331,300 $157,900 $173,400
2017 $4,168 $375,200 $0 $0
2016 -- $363,767 $0 $0
2015 $4,450 $352,333 $0 $0
2014 $4,450 $340,900 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/18/2025 10/18/25 For Sale $597,000 +27.0% $287 / Sq Ft
05/17/2021 05/17/21 Sold $470,000 +3.1% $226 / Sq Ft View Prior Sale
03/31/2021 03/31/21 Pending -- -- --
03/27/2021 03/27/21 For Sale $456,000 -- $219 / Sq Ft
Source: Bright MLS

Purchase History

Date Type Sale Price Title Company
Deed $470,000 Blue Crab Title & Escrow Llc
Deed $258,000 --
Deed $32,000 --
Deed $1,300 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $453,867 VA
Previous Owner $26,000 No Value Available
Closed -- No Value Available
Source: Public Records

Source: Bright MLS

MLS Number: MDCA2023674

Bright MLS

APN: 01-172034