NOT LISTED FOR SALE

650 Silver Rock Rd Lusby, MD 20657

Lusby Area

Estimated Value: $463,418

4 Beds
4 Baths
2,377 Sq Ft
$195/Sq Ft Est. Value

Sale Details

Date Sold: November 3, 2025

Last sale price $465,000 $196 Per Sq Ft

Current estimated payment $2,634 / mo

132 Days on Market

Highlights

  • Beach
  • Public Beach
  • Community Lake
  • Canoe or Kayak Water Access
  • Chalet
  • Clubhouse

About This Home

As of November 2025

Seller is now offering $11,625 toward buyer closing costs! A captivating chalet-style residence that effortlessly combines rustic charm with timeless elegance. This offering is on 3 lots. Thoughtfully designed with comfort and functionality in mind, this home offers four spacious bedrooms and four full bathrooms, providing ample room for family and guests alike.
Soaring vaulted ceilings with exposed beams create an inviting, airy ambiance, while expansive windows bathe the interior in natural light. At the heart of the home is a beautifully renovated kitchen, seamlessly blending modern sophistication with classic character — an ideal space for both everyday living and entertaining. Enjoy the versatility of three distinct living areas located on the main floor, loft, and lower level — each offering a unique setting for relaxation or gathering. The main floor is where you'll find the master suite with en suite bathroom. The master suite features a dedicated HVAC system for personalized comfort. An additional bedroom and full bathroom on the main level offer flexible options for guest accommodations or a home office. Upstairs, two well-appointed bedrooms share a stylish Jack-and-Jill bathroom and include ample closet space. The lower level features multiple storage rooms and additional living space, ensuring all your organizational needs are met. Additionally, the roof was replaced within the last five years, ensuring peace of mind and long-term value
Surrounded by mature trees, the home enjoys a sense of privacy. The beautifully landscaped yard offers a peaceful oasis with multi-level decks, a charming patio, and a raised garden bed area — perfect for outdoor living and entertaining. Located just minutes from schools, shopping, and recreational amenities, 650 Silver Rock Road offers the perfect balance of seclusion and convenience. This home is a true gem — where classic charm meets modern comfort. Chesapeake Ranch Estates offers an array of amenities including campgrounds, multiple beaches, a clubhouse, community gardens, horseshoe pits, a scenic lake, and miles of nature trails for you to enjoy. Ideally located for work as it's a convenient commute to NAS Patuxent River, this home is just over an hour from Andrews Air Force Base, and within easy reach of Washington, D.C.—making it a perfect choice for military personnel, government employees, and anyone seeking a peaceful retreat with access to city amenities.

Last Agent to Sell the Property

Connie Gunn

(301) 862-2169 tommy.higgins@c21nm.com CENTURY 21 New Millennium License #0659079 Listed on: 05/30/2025

CENTURY 21 New Millennium

Last Buyer's Agent

Stella Barbour

(571) 814-3002 stellabarbour@yahoo.com NOVA Brokers, LLC. License #634686

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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,142

Year Built

  • Built in 1967

Lot Details

  • 14,810 Sq Ft Lot
  • Public Beach

HOA Fees

  • $46 Monthly HOA Fees

Parking

  • Driveway

Home Design

  • Chalet
  • A-Frame Home
  • Log Cabin
  • Block Foundation
  • Frame Construction

Interior Spaces

  • Property has 3 Levels
  • Vaulted Ceiling
  • Ceiling Fan

Bedrooms and Bathrooms

Basement

  • Heated Basement
  • Walk-Out Basement
  • Connecting Stairway
  • Interior and Exterior Basement Entry
  • Sump Pump
  • Basement Windows

Outdoor Features

  • Canoe or Kayak Water Access
  • Property is near a lake
  • Swimming Allowed

Utilities

  • Central Air
  • Back Up Gas Heat Pump System
  • Heating System Powered By Owned Propane
  • Electric Water Heater
  • Private Sewer

Listing and Financial Details

  • Tax Lot 61
  • Assessor Parcel Number 0501119184

Community Details

Overview

  • Chesapeake Ranch Estates Subdivision
  • Community Lake

Amenities

  • Common Area
  • Clubhouse

Recreation

  • Beach
  • Community Playground
  • Horse Trails
  • Jogging Path
  • Bike Trail

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,142

Year Built

Built in 1967

Lot Details

0.34 Acres

HOA Fees

$46 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Cabin/Lodge, Chalet, Log Home, A-Frame
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Federal Flood Zone: No
  • Year Built: 1967
  • Automatically Close On Close Date: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Fireplace: No
  • Foundation Details: Block
  • Levels Count: 3
  • Basement: Yes
  • Basement Type: Connecting Stairway, Daylight, Full, Heated, Interior Access, Outside Entrance, Rear Entrance, Sump Pump, Walkout Level, Windows
  • Total Sq Ft: 2512
  • Living Area Sq Ft: 2377
  • Price Per Sq Ft: 284.93
  • Above Grade Finished Sq Ft: 1632
  • Below Grade Finished Sq Ft: 745
  • Below Grade Sq Ft: 135
  • Total Below Grade Sq Ft: 880
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 4
  • Main Level Bedrooms: 2
  • Total Bathrooms: 4
  • Full Bathrooms: 4
  • 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: 2
  • Lower Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Frame
  • Water Access Features: Canoe/Kayak, Public Beach, Swimming Allowed
  • Water Access: Yes
  • Water Body Type: Lake
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Type Of Parking: Driveway

Utilities

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

Condo/Co-op/Association

  • HOA Fees: 550.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Condo Co-Op Amenities: Beach, Bike Trail, Club House, Common Grounds, Horse Trails, Jog/Walk Path, Lake, Tot Lots/Playground
  • HOA: Yes
  • Senior Community: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Lot Size Acres: 0.34
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 14810.40
  • Zoning: R
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 4142.00
  • Assessor Parcel Number: 0501119184
  • Tax Lot: 61
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024

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 30, 2025
Closed on
Nov 3, 2025
Sold by
Bought by
Seller's Agent
Connie Gunn
CENTURY 21 New Millennium
Buyer's Agent
Stella Barbour
NOVA Brokers, LLC.
List Price
$485,000
Sold Price
$465,000
Premium/Discount to List
-$20,000
-4.12%
Views
1770
Current Estimated Value
$463,418

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$1,582
Avg. Annual Appreciation
-0.45%
Original Mortgage
$465,000
Outstanding Balance
$461,466
Interest Rate
6.34%
Mortgage Type
VA
Estimated Equity
$1,952

Purchase Details

Listed on
Aug 11, 2023
Closed on
Sep 1, 2023
Sold by
Bought by
Seller's Agent
Kimberly Hayes
CENTURY 21 New Millennium
Buyer's Agent
Connie Gunn
CENTURY 21 New Millennium
List Price
$399,000
Sold Price
$422,000
Premium/Discount to List
$23,000
5.76%
Views
304

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.59%
Original Mortgage
$422,000
Interest Rate
6.81%
Mortgage Type
VA

Purchase Details

Listed on
Jul 23, 2020
Closed on
Sep 25, 2020
Sold by
Bought by
Seller's Agent
Charlotte Long
EXP Realty, LLC
Buyer's Agent
Kimberly Hayes
CENTURY 21 New Millennium
List Price
$399,000
Sold Price
$345,000
Premium/Discount to List
-$54,000
-13.53%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.07%
Original Mortgage
$352,935
Interest Rate
2.9%
Mortgage Type
VA

Purchase Details

Closed on
Mar 1, 2013
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$148,500
Interest Rate
3.54%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jun 3, 1992
Sold by
Bought by
Source: Public Records

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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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 Buyer Sale Price Title Company
$465,000 Lakeside Title
$422,000 First Title
$345,000 None Available
-- None Available
$59,000 --
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 Borrower Loan Amount
Open $465,000
Previous Owner $422,000
Previous Owner $352,935
Previous Owner $110,000
Previous Owner $67,000
Previous Owner $148,500
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
11/03/2025 11/03/25 Sold $465,000 0.0% $196 / Sq Ft
10/09/2025 10/09/25 Pending -- -- --
09/15/2025 09/15/25 Price Changed $465,000 -2.1% $196 / Sq Ft
08/19/2025 08/19/25 Price Changed $474,999 -2.1% $200 / Sq Ft
05/30/2025 05/30/25 For Sale $485,000 +14.9% $204 / Sq Ft
09/08/2023 09/08/23 Sold $422,000 +5.8% $178 / Sq Ft View Prior Sale
08/11/2023 08/11/23 For Sale $399,000 +15.7% $168 / Sq Ft
09/25/2020 09/25/20 Sold $345,000 -13.5% $145 / Sq Ft View Prior Sale
08/03/2020 08/03/20 Pending -- -- --
07/23/2020 07/23/20 For Sale $399,000 -- $168 / 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
2026 $437 $442,700 $55,200 $387,500
2025 $437 $394,300 $0 $0
2024 $432 $345,900 $0 $0
2023 $3,245 $297,500 $55,200 $242,300
2022 $3,176 $264,700 $0 $0
2021 $6,352 $231,900 $0 $0
2020 $2,499 $199,100 $55,200 $143,900
2019 $2,086 $198,833 $0 $0
2018 $2,083 $198,567 $0 $0
2017 $2,483 $198,300 $0 $0
2016 -- $198,300 $0 $0
2015 $1,388 $198,300 $0 $0
2014 $1,388 $200,200 $0 $0
Source: Public Records

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Map

Source: Bright MLS

MLS Number: MDCA2021340

Bright MLS

APN: 01-119184

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