$345,000
SOLD SEP 25, 2020

650 Silver Rock Rd Lusby, MD 20657

4 Beds
4 Baths
2,377 Sq Ft
0.34 Acres

Recently Sold

$145 Per Sq Ft

14% Below List Price

10 Days on Market

Highlights

  • Canoe or Kayak Water Access
  • Chalet
  • Ceiling Fan
  • Public Beach
  • Central Air
  • Back Up Gas Heat Pump System

About This Home

As of September 2023

Welcome home to this gorgeous and spacious chalet nestled on a beautifully landscaped wooded lot near Lake Lariat and close to community beaches and other amenities. What an opportunity as this home sale comes with TWO adjacent lots!! (654 Silver Rock and 12400 Red Rock Trail). Use them as a buffer for privacy or for other future possibilities! Enjoy beauty, privacy and space in this amazing home which features 4 bedrooms including a main level master and 4 full bathrooms. Master bathroom features huge jetted tub with dual shower heads in an oversized shower. Gaze at your wooded view through the expansive kitchen windows! So much natural light and peaceful beauty to enjoy. Kitchen features wood floors and stainless appliances. Cuddle up on the couch in the lodge like living room which features wood planking and beams. Full walk out basement includes gas stove, plenty of storage, a full bathroom and utility room. Enjoy summer evenings on your screened in porch or entertain on the multi tiered decking outback overlooking woods and a seasonal view of the lake. Large fenced in backyard. will keep the kids contained and let the dogs run free! This home has been very well maintained with a new roof, newer HVAC, tankless water heater, new flooring in the basement and new carpet throughout. Skylights, a lofted TV area, a fun and functional floorplan and balconies off each level are additional charming features of this amazing home! The beautiful lawn features professional hardscaping , retaining wall and elaborate rocked fish pond. Matching shed provides storage and has power so it could be used as a workshop! A quick walk through the back gate and down the path and you can enjoy swimming or fishing at the lake! Community beach access is only about a mile away. Want to feel like you're on vacation every day? This home features so much value, book your showing today!

Last Agent to Sell the Property

Charlotte Long

EXP Realty, LLC License #655003 Listed on: 07/23/2020

EXP Realty, LLC

Last Buyer's Agent

Kimberly Hayes

CENTURY 21 New Millennium License #668312

CENTURY 21 New Millennium

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,495

Year Built

  • Built in 1967

Lot Details

  • 0.34 Acre Lot
  • Public Beach

HOA Fees

  • $46 Monthly HOA Fees

Parking

  • Driveway

Home Design

  • Chalet
  • A-Frame Home
  • Log Cabin

Interior Spaces

  • Property has 3 Levels
  • 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
  • Septic Tank
  • Community Sewer or Septic

Community Details

  • Chesapeake Ranch Estates Subdivision

Listing and Financial Details

  • Tax Lot 61
  • Assessor Parcel Number 0501119184

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,495

Year Built

Built in 1967

Lot Details

0

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
  • Expected On Market: 2020-07-23
  • Federal Flood Zone: No
  • Year Built: 1967
  • Automatically Close On Close Date: No
  • Remarks Public: Welcome home to this gorgeous and spacious chalet nestled on a beautifully landscaped wooded lot near Lake Lariat and close to community beaches and other amenities. What an opportunity as this home sale comes with TWO adjacent lots!! (654 Silver Rock and 12400 Red Rock Trail). Use them as a buffer for privacy or for other future possibilities! Enjoy beauty, privacy and space in this amazing home which features 4 bedrooms including a main level master and 4 full bathrooms. Master bathroom features huge jetted tub with dual shower heads in an oversized shower. Gaze at your wooded view through the expansive kitchen windows! So much natural light and peaceful beauty to enjoy. Kitchen features wood floors and stainless appliances. Cuddle up on the couch in the lodge like living room which features wood planking and beams. Full walk out basement includes gas stove, plenty of storage, a full bathroom and utility room. Enjoy summer evenings on your screened in porch or entertain on the multi tiered decking outback overlooking woods and a seasonal view of the lake. Large fenced in backyard. will keep the kids contained and let the dogs run free! This home has been very well maintained with a new roof, newer HVAC, tankless water heater, new flooring in the basement and new carpet throughout. Skylights, a lofted TV area, a fun and functional floorplan and balconies off each level are additional charming features of this amazing home! The beautiful lawn features professional hardscaping , retaining wall and elaborate rocked fish pond. Matching shed provides storage and has power so it could be used as a workshop! A quick walk through the back gate and down the path and you can enjoy swimming or fishing at the lake! Community beach access is only about a mile away. Want to feel like you're on vacation every day? This home features so much value, book your showing today!
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • 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: 244.49
  • 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
  • Street Number Modifier: 650

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
  • Upper Level Full Bathrooms: 1
  • Lower Level Full Bathrooms: 1
  • Lower Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • 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: Community Septic Tank, Private Septic Tank
  • Water Source: Public

Condo/Co-op/Association

  • HOA Fees: 550.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA: Yes
  • Senior Community: No

Schools

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

Lot Info

  • Land Use Code: 010
  • Lot Size Acres: 0.34
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 14810.40
  • Year Assessed: 2020
  • Zoning: R
  • In City Limits: No

Rental Info

  • Vacation Rental: No
  • Rent Spree Online Application: No

Tax Info

  • Tax Annual Amount: 2495.00
  • Assessor Parcel Number: 0501119184
  • Tax Lot: 61
  • Tax Total Finished Sq Ft: 2377
  • County Tax Payment Frequency: Annually
  • Tax Year: 2019
  • Close Date: 09/25/2020

MLS Schools

  • School District Name: CALVERT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Aug 11, 2023
Closed on
Sep 1, 2023
Sold by
Kumpf Patrick Alan and Kumpf Marva Jean
Bought by
Flaherty Deaglan R
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
2.55%
Original Mortgage
$422,000
Outstanding Balance
$414,817
Interest Rate
6.81%
Mortgage Type
VA
Estimated Equity
$27,421

Purchase Details

Listed on
Jul 23, 2020
Closed on
Sep 25, 2020
Sold by
Moran King Virginia Ann and King Alan R
Bought by
Kumpf Patrick Alan and Kumpf Marva Jean
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
King Alan R and Moran King Viginia A
Bought by
King Alan R and Moran King Virginia A

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
Sisson Earl G and Sisson Agnes M
Bought by
King Alan R

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$47,200
Interest Rate
8.6%
Source: Public Records

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Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Deed $422,000 First Title
Deed $345,000 None Available
Interfamily Deed Transfer -- None Available
Deed $59,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $422,000 VA
Previous Owner $352,935 VA
Previous Owner $110,000 Credit Line Revolving
Previous Owner $67,000 Credit Line Revolving
Previous Owner $148,500 New Conventional
Previous Owner $47,200 No Value Available
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
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
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
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 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
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

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDCA177442

Bright MLS

APN: 01-119184