$1,199,900

3095 Calvert Blvd Lusby, MD 20657

Lusby Area

Estimated payment $7,186/month

Total Views 2,525
5 Beds
5 Baths
5,088 Sq Ft
$236 Price per Sq Ft

Highlights

  • 96 Feet of Waterfront
  • Beach
  • Sandy Beach
  • Primary bedroom faces the bay
  • Access to Tidal Water
  • Spa

About This Home

Where Generations Gather on the Chesapeake Bay Welcome to an extraordinary Chesapeake Bay estate in the sought-after Cove Point community, where more than 5,000 square feet of refined coastal living meets direct beach access and breathtaking water views that define every day. This custom-built five-bedroom, five-bath home blends timeless craftsmanship with shoreline serenity, creating the perfect setting for generations of family memories, a spectacular primary residence, or an exceptional second home with proven vacation rental appeal. From the moment you step through the grand two-story foyer, you'll appreciate the thoughtful design. A private guest suite or home office and full bath provide flexibility on the main level, while the home opens into an impressive gourmet kitchen featuring a massive granite island, custom weathered coastal cabinetry, double wall ovens, a commercial-size refrigerator, custom vent hood, walk-in pantry, and an inviting dining area overlooking the Bay. Designed for entertaining, the kitchen flows effortlessly into expansive living spaces where walls of windows frame spectacular Chesapeake Bay views. Rich wood floors, a gas fireplace, and seamless access to the full-width waterfront deck create the perfect backdrop for everything from quiet mornings with coffee to celebrations with family and friends. This isn't simply a waterfront home—it's the result of years of thoughtful planning and craftsmanship. Reimagined from the ground up, every major system, finish, and design element was carefully selected to create a home built for generations of waterfront living. Premium materials, including Anderson windows and doors, HardiePlank siding, high-efficiency HVAC systems, custom finishes, cedar ceilings, and quality construction reflect the exceptional attention to detail found throughout. Even more impressive, the home was intentionally built to a favorable elevation, resulting in substantially lower flood insurance than many comparable Chesapeake Bay waterfront properties. Upstairs, the waterfront primary suite is a true retreat, complete with a private balcony overlooking the Bay, a spacious walk-in closet, and a spa-inspired bath. Two additional bedrooms, including a second en-suite, share the level along with a dramatic family room featuring soaring cathedral ceilings and panoramic water views. The third floor offers exceptional flexibility with a private fifth-bedroom suite, full bath, cozy reading nook, and a large recreation room overlooking the Chesapeake. An elevator shaft is already in place for future elevator installation, providing added convenience and long-term accessibility. Outside, a boardwalk winds through the natural grasses to your own sandy beach, while multiple waterfront decks invite dining, entertaining, and endless sunsets over the Bay. A dedicated water hookup and 50-amp RV connection provide added convenience for guests and waterfront adventures. An additional separately deeded lot conveys with the property, bringing the total acreage to approximately 0.31 acres and providing valuable extra space for parking, privacy, or future possibilities. Located within the private Cove Point community, residents enjoy one of Southern Maryland's most treasured stretches of Chesapeake Bay shoreline, anchored by the iconic 1828 Cove Point Lighthouse. Just minutes away, Solomons Island offers waterfront restaurants, marinas, boutique shopping, and endless opportunities for boating, fishing, and exploring nearby Calvert Cliffs. Whether you're searching for a legacy waterfront residence, an unforgettable family retreat, or a premier coastal getaway with outstanding rental appeal, this extraordinary Chesapeake Bay estate offers a rare opportunity to own not just a home—but a lifestyle that will be cherished for generations.

Listing Agent

Mark Frisco

(443) 968-9595 tommy.higgins@c21nm.com CENTURY 21 New Millennium Brokerage Phone: 4439689595 Listed on: 07/29/2026

CENTURY 21 New Millennium

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,070

Year Built

  • Built in 1984

Lot Details

  • 13,320 Sq Ft Lot
  • 96 Feet of Waterfront
  • Home fronts navigable water
  • Property Fronts a Bay or Harbor
  • Sandy Beach
  • Private Lot
  • Level Lot
  • Open Lot
  • Cleared Lot
  • Back, Front, and Side Yard
  • Additional Land
  • Tax ID: 0501034014, is the lot adjacent to this property and is included making a total of .31 acres
  • Property is in excellent condition

HOA Fees

  • $15 Monthly HOA Fees

Parking

  • 2 Car Attached Garage

Property Views

  • Bay
  • Panoramic

Home Design

  • Colonial Architecture
  • Coastal Architecture
  • Villa
  • Hip Roof Shape
  • Batts Insulation
  • Architectural Shingle Roof
  • Asphalt Roof
  • Cement Siding
  • Vinyl Siding

Interior Spaces

  • 5,088 Sq Ft Home
  • Property has 3 Levels
  • Open Floorplan
  • Wood Ceilings
  • Cathedral Ceiling
  • Ceiling Fan
  • Recessed Lighting
  • Gas Fireplace
  • Double Pane Windows
  • Casement Windows
  • French Doors
  • Sliding Doors
  • Entrance Foyer
  • Family Room Off Kitchen
  • Living Room
  • Formal Dining Room
  • Home Office
  • Recreation Room
  • Crawl Space

Kitchen

  • Eat-In Gourmet Kitchen
  • Breakfast Area or Nook
  • Built-In Double Oven
  • Commercial Range
  • Range Hood
  • Built-In Microwave
  • Ice Maker
  • Dishwasher
  • Stainless Steel Appliances
  • Kitchen Island
  • Upgraded Countertops

Flooring

  • Engineered Wood
  • Bamboo
  • Partially Carpeted
  • Ceramic Tile
  • Luxury Vinyl Plank Tile

Bedrooms and Bathrooms

  • Primary bedroom faces the bay
  • En-Suite Bathroom
  • Walk-In Closet
  • Whirlpool Bathtub
  • Bathtub with Shower
  • Walk-in Shower

Laundry

  • Laundry on main level
  • Dryer
  • Washer

Accessible Home Design

  • Roll-in Shower
  • Halls are 36 inches wide or more
  • More Than Two Accessible Exits

Outdoor Features

  • Spa
  • Access to Tidal Water
  • Canoe or Kayak Water Access
  • Private Water Access
  • Property near a bay
  • Personal Watercraft
  • Swimming Allowed
  • Lake Privileges
  • Balcony
  • Deck
  • Shed

Location

  • Flood Risk

Schools

  • Dowell Elementary School
  • Southern Middle School
  • Patuxent High School

Utilities

  • Central Air
  • Heat Pump System
  • Vented Exhaust Fan
  • Underground Utilities
  • Well
  • Electric Water Heater
  • On Site Septic
  • Phone Available
  • Cable TV Available

Listing and Financial Details

  • Tax Lot 4
  • Assessor Parcel Number 0501032917

Community Details

Overview

  • Association fees include road maintenance, common area maintenance, management
  • Cove Point Home Owners Association
  • Cove Point Subdivision

Amenities

  • Common Area

Recreation

  • Beach
  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,070

Year Built

Built in 1984

Lot Details

0.31 Acres

HOA Fees

$15 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Colonial, Coastal, Villa
  • Accessibility Features: 36"+ Wide Halls, 2+ Access Exits, Roll-In Shower
  • Ownership: Fee Simple
  • Historic: No
  • New Construction: No
  • Story List: Main, Upper 1, Upper 2
  • Federal Flood Zone: Yes
  • Year Built: 1984
  • Building Winterized: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Dishwasher, Dryer, Exhaust Fan, Icemaker, Oven - Double, Oven - Wall, Range Hood, Refrigerator, Stainless Steel Appliances, Washer, Water Heater, Commercial Range
  • Flooring Type: Hardwood, Ceramic Tile, Partially Carpeted, Luxury Vinyl Plank, Bamboo, Engineered Wood
  • Interior Amenities: Ceiling Fan(s), Entry Level Bedroom, Floor Plan - Open, Kitchen - Gourmet, Kitchen - Island, Pantry, Primary Bedroom - Bay Front, Upgraded Countertops, Whirlpool/Hottub, Bathroom - Tub Shower, Bathroom - Walk-In Shower, Breakfast Area, Carpet, Dining Area, Formal/Separate Dining Room, Kitchen - Table Space, Primary Bath(s), Recessed Lighting, Store/Office, Walk-In Closet(s), Wood Floors, Family Room Off Kitchen
  • Window Features: Double Pane, Casement
  • Fireplace Features: Gas/Propane
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Door Features: Sliding Glass, French
  • Wall Ceiling Types: 9'+ Ceilings, 2 Story Ceilings, Vaulted Ceilings, Wood Ceilings, High
  • Foundation Details: Crawl Space
  • Levels Count: 3
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Den, Foyer, Office, Recreation Room, Bathroom 2, Bathroom 3, Primary Bathroom
  • Basement: No
  • Laundry Type: Main Floor
  • Total Sq Ft: 5088
  • Living Area Sq Ft: 5088
  • Price Per Sq Ft: 235.83
  • Above Grade Finished Sq Ft: 5088
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 5
  • Main Level Bedrooms: 1
  • Total Bathrooms: 5
  • Full Bathrooms: 5
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 4
  • Upper Level Bathrooms: 3.00
  • Upper Level 2 Bathrooms: 1.00
  • Main Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Shed
  • Construction Materials: Cement Siding, Combination, Vinyl Siding, Batts Insulation
  • Exterior Features: Hot Tub
  • Roof: Architectural Shingle, Asphalt, Hip
  • Spa: No
  • View: Bay, Panoramic
  • Water Access Features: Canoe/Kayak, Fishing Allowed, Swimming Allowed, Personal Watercraft (PWC), Private Access
  • Water Access: Yes
  • Water Body Name: Chesapeake Bay
  • Water Body Type: Bay
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: Yes
  • Water View: Yes
  • Water Frontage In Feet: 96

Garage/Parking

  • Garage Spaces: 2.00
  • Garage: Yes
  • Parking Features: Private
  • Attached Garage Spaces: 2
  • Total Garage And Parking Spaces: 8
  • Type Of Parking: Off Street, Attached Garage
  • Off Street Parking Spaces: 6

Utilities

  • Refuse: 350.00
  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C, Heat Pump(s)
  • Heating Fuel: Electric
  • Heating Type: Heat Pump(s)
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: On Site Septic
  • Utilities: Cable Tv Available, Phone Available, Under Ground
  • Water Source: Well
  • Internet Services: Broadband, Cable

Condo/Co-op/Association

  • HOA Fees: 180.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Condo Co-Op Amenities: Beach, Common Grounds, Water/Lake Privileges
  • HOA Condo Co-Op Fee Includes: Road Maintenance, Common Area Maintenance, Management
  • HOA Name: COVE POINT HOME OWNERS ASSOCIATION
  • HOA: Yes
  • Senior Community: No

Schools

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

Lot Info

  • Horses: No
  • Additional Parcels: Yes
  • Additional Parcels Description: Tax ID: 0501034014, is the lot adjacent to this property and is included making a total of .31 acres
  • Lot Features: Cleared, Fishing Available, Level, Open, Private, Rear Yard, Additional Lot(s), Front Yard, Sideyard(s)
  • Lot Size Acres: 0.31
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 13320.00
  • Outdoor Living Structures: Deck(s), Balcony
  • Property Condition: Excellent
  • Zoning: R
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Pets: No Pet Restrictions
  • Pets Allowed: Yes
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 7070.00
  • Assessor Parcel Number: 0501032917
  • Tax Lot: 4
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

Multi Family

  • Waterfront Features: Sandy Beach

MLS Schools

  • School District Name: CALVERT COUNTY PUBLIC SCHOOLS

Map

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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
2026 $6,882 $663,100 $277,000 $386,100
2025 $6,882 $617,200 $0 $0
2024 $6,381 $571,300 $0 $0
2023 $5,673 $525,400 $277,000 $248,400
2022 $5,618 $520,433 $0 $0
2021 $5,535 $515,467 $0 $0
2020 $5,535 $510,500 $277,000 $233,500
2019 $5,557 $510,500 $277,000 $233,500
2018 $5,544 $510,500 $277,000 $233,500
2017 $5,667 $515,100 $0 $0
2016 -- $515,100 $0 $0
2015 $3,416 $515,100 $0 $0
2014 $3,416 $277,000 $0 $0
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
07/29/2026 07/29/26 For Sale $1,199,900 +185.7% $236 / Sq Ft
01/29/2014 01/29/14 Sold $420,000 -15.8% $137 / Sq Ft View Prior Sale
01/08/2014 01/08/14 Pending -- -- --
03/24/2013 03/24/13 For Sale $499,000 -- $162 / Sq Ft
Source: Bright MLS

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 $420,000 None Available
Deed $198,000 --
Deed $255,000 --
Deed $540,000 --
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 $1,150,000 Construction
Closed $419,500 New Conventional
Closed $462,000 New Conventional
Closed $459,200 New Conventional
Previous Owner $670,000 Stand Alone Second
Source: Public Records

Source: Bright MLS

MLS Number: MDCA2029768

Bright MLS

APN: 01-032917

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