NOT LISTED FOR SALE

494 Cardinal Dr Lusby, MD 20657

Estimated Value: $363,000 - $413,000

4 Beds
3 Baths
1,844 Sq Ft
$209/Sq Ft Est. Value

Last Sold July 08, 2024

Last sale price $375,000 $203 Per Sq Ft

Est. 3% increase in value since last sale

Current estimated payment $2,341/month

46 Days on Market

Highlights

  • Water Oriented
  • Attic
  • Den
  • Wood Flooring
  • Open Floorplan
  • Enclosed Patio or Porch

About This Home

As of July 2024

PRICE REDUCED! Coastal living with this charming 4-bedroom, 3-bathroom split foyer home in Drum Point Beach Community. Situated near multiple beaches, lakes, and hiking paths, residents can enjoy an active outdoor lifestyle. The peaceful community fosters a sense of relaxation and community spirit with nearby Ballfields, Tennis/Pickleball Courts, Pool and Golf Course. There is a community launch for boats, jet skis or kayaks. An enclosed sunroom off the primary bedroom offers a private sanctuary flooded with natural light. The house features wood flooring and ceramic tile throughout, adding to its charm and elegance. The cozy basement, complete with a fireplace, serves as a perfect hangout spot and houses an enclosed laundry room with a sink for added convenience. The lower level also includes a finished rec room with a full bath and a wood stove. This recently upgraded home with new insulated siding, a new heat pump, and expansive wooded backyard is the perfect outdoor setting for BBQs and campfires, creating endless opportunities for outdoor enjoyment and entertaining.

Last Agent to Sell the Property

Sandra Dee Gale

O'Brien Realty ERA Powered License #5005124 Listed on: 04/27/2024

O'Brien Realty ERA Powered

Last Buyer's Agent

Paul Fenton

Coldwell Banker Jay Lilly Real Estate License #502917

Coldwell Banker Jay Lilly Real Estate

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,530

Year Built

  • Built in 1991

Lot Details

  • 0.41 Acre Lot
  • Stone Retaining Walls
  • Extensive Hardscape
  • Property is in very good condition

HOA Fees

  • $15 Monthly HOA Fees

Home Design

  • Split Foyer
  • Block Foundation
  • Shingle Roof
  • Vinyl Siding

Interior Spaces

  • Property has 2 Levels
  • Ceiling Fan
  • Window Treatments
  • Window Screens
  • Sliding Doors
  • Family Room
  • Open Floorplan
  • Living Room
  • Dining Room
  • Den
  • Storage Room
  • Storm Doors
  • Attic

Kitchen

  • Electric Oven or Range
  • Built-In Microwave
  • Dishwasher
  • Kitchen Island

Flooring

  • Wood
  • Tile or Brick

Bedrooms and Bathrooms

  • En-Suite Primary Bedroom
  • En-Suite Bathroom

Laundry

  • Dryer
  • Washer

Finished Basement

  • Walk-Out Basement
  • Connecting Stairway
  • Side Basement Entry
  • Sump Pump
  • Laundry in Basement

Parking

  • 4 Parking Spaces
  • 4 Driveway Spaces

Eco-Friendly Details

  • Green Energy Fireplace or Wood Stove

Outdoor Features

  • Water Oriented
  • Property near a bay
  • Enclosed Patio or Porch
  • Shed

Utilities

  • Central Air
  • Heat Pump System
  • Vented Exhaust Fan
  • Well
  • Electric Water Heater
  • On Site Septic

Community Details

  • Drum Point Property Owners Association
  • Drum Point Subdivision

Listing and Financial Details

  • Tax Lot 2
  • Assessor Parcel Number 0501176285

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,530

Year Built

Built in 1991

Lot Details

0

HOA Fees

$15 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Split Foyer
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Lower 2, Main, Upper 1, Upper 2
  • Federal Flood Zone: No
  • Year Built: 1991
  • Automatically Close On Close Date: No
  • Remarks Public: PRICE REDUCED! Coastal living with this charming 4-bedroom, 3-bathroom split foyer home in Drum Point Beach Community. Situated near multiple beaches, lakes, and hiking paths, residents can enjoy an active outdoor lifestyle. The peaceful community fosters a sense of relaxation and community spirit with nearby Ballfields, Tennis/Pickleball Courts, Pool and Golf Course. There is a community launch for boats, jet skis or kayaks. An enclosed sunroom off the primary bedroom offers a private sanctuary flooded with natural light. The house features wood flooring and ceramic tile throughout, adding to its charm and elegance. The cozy basement, complete with a fireplace, serves as a perfect hangout spot and houses an enclosed laundry room with a sink for added convenience. The lower level also includes a finished rec room with a full bath and a wood stove. This recently upgraded home with new insulated siding, a new heat pump, and expansive wooded backyard is the perfect outdoor setting for BBQs and campfires, creating endless opportunities for outdoor enjoyment and entertaining.
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Exhaust Fan, Oven/Range - Electric, Refrigerator, Built-In Microwave, Dryer, Washer
  • Flooring Type: Hardwood, Tile/Brick
  • Interior Amenities: Dining Area, Window Treatments, Primary Bath(s), Attic, Kitchen - Island, Pantry, Wood Floors, Combination Kitchen/Dining, Combination Kitchen/Living
  • Window Features: Screens
  • Fireplace: No
  • Door Features: Sliding Glass, Storm
  • Wall Ceiling Types: Dry Wall
  • Foundation Details: Block
  • Levels Count: 2
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Den, Bedroom 1, Storage Room, Attic
  • Basement: Yes
  • Basement Type: Connecting Stairway, Side Entrance, Sump Pump, Fully Finished, Walkout Level
  • Laundry Type: Basement, Dryer In Unit, Washer In Unit
  • Total Sq Ft: 1844
  • Living Area Sq Ft: 1844
  • Price Per Sq Ft: 368.68
  • Above Grade Finished Sq Ft: 1028
  • Below Grade Finished Sq Ft: 816
  • Total Below Grade Sq Ft: 816
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 494

Beds/Baths

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

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Shed
  • Construction Materials: Vinyl Siding
  • Exterior Features: Extensive Hardscape, Stone Retaining Walls
  • Road Surface Type: Paved
  • Roof: Shingle
  • Spa: No
  • Water Access: No
  • Water Body Name: CHEASAPEAKE BAY
  • Water Body Type: Bay
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Parking Features: Asphalt Driveway
  • Total Garage And Parking Spaces: 4
  • Type Of Parking: Driveway
  • Number of Spaces in Driveway: 4

Utilities

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

Condo/Co-op/Association

  • HOA Fees: 185.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Name: DRUM POINT PROPERTY OWNERS ASSOCIATION
  • HOA: Yes
  • Senior Community: No

Schools

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

Green Features

  • Efficiency: Fireplace/Wood Stove

Lot Info

  • Land Use Code: R
  • Lot Size Acres: 0.41
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 17642.00
  • Outdoor Living Structures: Patio(s), Enclosed, Brick
  • Property Condition: Very Good
  • Year Assessed: 2024
  • Zoning: R
  • 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: No

Tax Info

  • Tax Annual Amount: 2530.00
  • Assessor Parcel Number: 0501176285
  • Tax Lot: 2
  • Tax Total Finished Sq Ft: 1844
  • County Tax Payment Frequency: Annually
  • Tax Data Updated: No
  • Tax Year: 2024
  • Close Date: 07/08/2024

MLS Schools

  • School District Name: CALVERT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 27, 2024
Closed on
Jul 8, 2024
Sold by
Holko April L and Holko Kevin E
Bought by
Lyons Robert E
Seller's Agent
Sandra Dee Gale
O'Brien Realty ERA Powered
Buyer's Agent
Paul Fenton
Coldwell Banker Jay Lilly Real Estate
List Price
$390,000
Sold Price
$375,000
Premium/Discount to List
-$15,000
-3.85%
Views
128
Current Estimated Value
$384,839

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$9,839
Avg. Annual Appreciation
1.54%
Original Mortgage
$381,562
Outstanding Balance
$377,708
Interest Rate
7.03%
Mortgage Type
New Conventional
Estimated Equity
$3,946

Purchase Details

Closed on
Jun 25, 2007
Sold by
Frost Robert C
Bought by
Holko Kevin E and Majni April L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$80,000
Interest Rate
6.24%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Jun 15, 2007
Sold by
Frost Robert C
Bought by
Holko Kevin E and Majni April L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$80,000
Interest Rate
6.24%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Sep 13, 2004
Sold by
Frost Barbara Joann and Frost Robert C
Bought by
Frost Robert C

Purchase Details

Closed on
Aug 23, 1991
Sold by
Hardesty Hardesty J and Hardesty Margarita
Bought by
Frost Barbara Joann and Frost Robert C

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$103,900
Interest Rate
9.17%
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
Lyons Robert E $375,000 Certified Title
Holko Kevin E $280,000 --
Holko Kevin E $280,000 --
Frost Robert C -- --
Frost Barbara Joann $103,900 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Lyons Robert E $381,562
Previous Owner Holko Kevin E $50,000
Previous Owner Holko Kevin E $25,000
Previous Owner Holko Kevin E $50,000
Previous Owner Holko Kevin E $80,000
Previous Owner Holko Kevin E $80,000
Previous Owner Frost Barbara Joann $103,900
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/08/2024 07/08/24 Sold $375,000 -1.1% $203 / Sq Ft
05/29/2024 05/29/24 Price Changed $379,000 -2.8% $206 / Sq Ft
04/27/2024 04/27/24 For Sale $390,000 -- $211 / Sq Ft
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 $2,798 $242,000 $0 $0
2024 $2,798 $223,000 $0 $0
2023 $2,120 $204,000 $67,200 $136,800
2022 $2,069 $199,100 $0 $0
2021 $4,909 $194,200 $0 $0
2020 $2,179 $189,300 $67,200 $122,100
2019 $2,857 $187,867 $0 $0
2018 $1,986 $186,433 $0 $0
2017 $1,947 $185,000 $0 $0
2016 -- $185,000 $0 $0
2015 $2,529 $185,000 $0 $0
2014 $2,529 $185,100 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDCA2015578

Bright MLS

APN: 01-176285