10965 Holly Dr, Lusby, MD 20657
What's special
NEWS FLASH--- ASSUMABLE VA LOAN WITH 2.25% INTEREST RATE--- 10965 Holly Drive is a beautifully designed home in the very walkable community of Cove Point Beach in Lusby, MD, offering 2 private (community) beaches on the Chesapeake Bay. The location is approximately 75 minutes from Washington, DC, with no Bay Bridge crossing required. The Sellers have done an amazing job of updating and upgrading during the course of ownership since 2010. Standout features include unexpected ceiling heights throughout, perfect primary suite with adjoining flex space, large kitchen with upgraded appliances, family room with vaulted ceilings and fireplace that connects to the most coveted space...the screened porch! There is a flexible main-level bonus room suited for guests, a home office or hobby space. The living spaces have been recently painted, the rear yard is already fenced, a whole-house Hague water filtration and R.O. system has been installed, new outdoor shower was just completed, updated LVP floors are perfect of the beach and high traffic areas. Property amenities include porches and deck, hot tub, outdoor shower, a 12 x 20 shed. Cove Point Beach residents enjoy swimming, fishing, kayaking, SUP and birdwatching. Unwind in this nostalgic beach community atmosphere with a great vibe. Some furnishings and high end golf cart are negotiable items, separate from property contract. See community organization website for breakdown of voluntary vs required fees.
- 85 days
- 101
- 3
Travel times
Family Room
Kitchen
Primary Bedroom
Zillow last checked:
Listing updated:
Christine McNelis 410-610-4045,
Berkshire Hathaway HomeServices PenFed Realty 4103940990
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Rooms
- Room types: Primary Bedroom, Bedroom 2, Family Room, Bathroom 1, Bathroom 3, Primary Bathroom
Primary bedroom
- Features: Bathroom - Stall Shower, Soaking Tub, Built-in Features, Ceiling Fan(s), Cathedral/Vaulted Ceiling, Flooring - Carpet, Flooring - Ceramic Tile, Primary Bedroom - Sitting Area, Primary Bedroom - Dressing Area
- Level: Upper
Bedroom 2
- Features: Ceiling Fan(s), Flooring - Carpet
- Level: Upper
Primary bathroom
- Features: Attached Bathroom, Bathroom - Walk-In Shower, Soaking Tub
- Level: Upper
Bathroom 1
- Features: Flooring - Luxury Vinyl Plank, Lighting - Ceiling
- Level: Main
Bathroom 3
- Features: Ceiling Fan(s), Flooring - Carpet
- Level: Upper
Family room
- Features: Fireplace - Gas, Flooring - Luxury Vinyl Plank, Primary Bedroom - Sitting Area
- Level: Main
Heating
- Heat Pump, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Microwave, Dishwasher, Dryer, Freezer, Oven/Range - Gas, Refrigerator, Washer, Washer/Dryer Stacked, Water Heater, Electric Water Heater
- Laundry: Main Level
Features
- Ceiling Fan(s), Soaking Tub, Bathroom - Walk-In Shower, Breakfast Area, Built-in Features, Dining Area, Primary Bath(s), Upgraded Countertops, Walk-In Closet(s), Dry Wall, Tray Ceiling(s), Vaulted Ceiling(s)
- Flooring: Luxury Vinyl, Carpet
- Doors: French Doors
- Windows: Double Pane Windows, Vinyl Clad
- Has basement: No
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
Interior area
- Total structure area: 1,884
- Total interior livable area: 1,884 sqft
- Finished area above ground: 1,884
- Finished area below ground: 0
Property
Parking
- Total spaces: 2
- Parking features: Garage Faces Front, Garage Door Opener, Inside Entrance, Asphalt, Electric Vehicle Charging Station(s), Driveway, Paved, Private, Attached
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Patio, Porch, Screened
- Exterior features: Private Beach
- Pool features: None
- Has spa: Yes
- Spa features: Heated, Private, Hot Tub
- Fencing: Back Yard,Aluminum
- Has view: Yes
- View description: Garden
- Waterfront features: Private Access, Canoe/Kayak, Fishing Allowed, Swimming Allowed, Bay
- Body of water: Chesapeake Bay
Lot
- Size: 0.33 Acres
- Features: No Thru Street
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 0501035576
- Zoning: R
- Special conditions: Standard
- Other equipment: Negotiable
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal,Traditional
- Property subtype: Single Family Residence
Materials
- Vinyl Siding, Stick Built
- Foundation: Concrete Perimeter, Flood Vent
- Roof: Architectural Shingle
Condition
- Excellent
- New construction: No
- Year built: 2006
- Major remodel year: 2022
Utilities & green energy
- Sewer: Mound System, On Site Septic
- Water: Well, Private
- Utilities for property: Cable Available, Propane, Cable
Community & HOA
Community
- Security: Carbon Monoxide Detector(s), Smoke Detector(s), Security System
- Subdivision: Cove Point
HOA
- Has HOA: Yes
- Amenities included: Beach Access, Common Grounds, Water/Lake Privileges
- Services included: Snow Removal, Common Area Maintenance
- HOA fee: $180 annually
- HOA name: COVE POINT BEACH ASSOCIATION
Location
- Region: Lusby
Financial & listing details
- Price per square foot: $329/sqft
- Tax assessed value: $372,900
- Annual tax amount: $4,006
- Date on market: 7/28/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan,Assumable
- Inclusions: 12 X 20 Shed, Hague Whole House Water Filtration, Freezer In Garage, Google Nest Cameras (4), 2 Cabinets In Primary Suite Sitting Room, Hot Tub, Outdoor Shower
- Ownership: Fee Simple
- Road surface type: Gravel
Price history
| Date | Event | Price |
|---|---|---|
| 8/29/2026 | Contingent | $619,900$329/sqft |
Source:  Bright MLS #MDCA2029668 Report a problem | ||
| 7/28/2026 | Listed for sale | $619,900-0.8%$329/sqft |
Source: Bright MLS #MDCA2029668 Report a problem | ||
| 7/21/2026 | Listing removed | $625,000$332/sqft |
Source: Bright MLS #MDCA2027800 Report a problem | ||
| 6/18/2026 | Listed for sale | $625,000+120.5%$332/sqft |
Source: Bright MLS #MDCA2027800 Report a problem | ||
| 8/23/2010 | Sold | $283,500-29.1%$150/sqft |
Source: Public Record Report a problem | ||
| 12/6/2008 | Listing removed | $399,900$212/sqft |
Source: Point2 #CA6846353 Report a problem | ||
| 9/24/2008 | Price change | $399,900-11.1%$212/sqft |
Source: Point2 #CA6846353 Report a problem | ||
| 8/24/2008 | Listed for sale | $449,900+7.1%$239/sqft |
Source: Point2 #CA6846353 Report a problem | ||
| 1/26/2007 | Sold | $420,000+180%$223/sqft |
Source: Public Record Report a problem | ||
| 5/23/2005 | Sold | $150,000$80/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2026 | $226 -69.5% | $372,900 +11.9% |
| 2025 | $740 -76.6% | $333,267 +13.5% |
| 2024 | $3,168 +20.1% | $293,633 +15.6% |
| 2023 | $2,639 +1.2% | $254,000 |
| 2022 | $2,608 +1.2% | $254,000 +2.4% |
| 2021 | $2,576 +0.8% | $247,933 +1.2% |
| 2020 | $2,557 -0.4% | $244,900 |
| 2019 | $2,567 +0.1% | $244,900 +0.2% |
| 2018 | $2,564 -1.3% | $244,433 +0.1% |
| 2017 | $2,598 -23.2% | $244,200 |
| 2016 | $3,382 | $244,200 |
| 2015 | $3,382 | $244,200 -1.8% |
| 2014 | $3,382 | $248,700 |
| 2013 | -- | $248,700 |
| 2012 | -- | $248,700 -22.9% |
| 2011 | -- | $322,630 +3.4% |
| 2010 | -- | $312,036 +3.5% |
| 2009 | -- | $301,443 +3.6% |
| 2008 | -- | $290,850 +17.3% |
| 2007 | -- | $247,990 +489.8% |
| 2006 | -- | $42,050 -47.6% |
| 2005 | -- | $80,180 +8.6% |
| 2004 | -- | $73,836 +9.4% |
| 2003 | -- | $67,493 +10.4% |
| 2002 | -- | $61,150 +2.7% |
| 2001 | -- | $59,546 |
Monthly payment
Estimated market value
$610,100
$580,000 - $641,000
$2,507/mo
Climate risks
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