Bring your vision and create something truly special on the Chesapeake Bay! This waterfront property offers spectacular, expansive Bay views from a 30,796-square-foot lot in Lusby, Maryland. Built in 1976, the home offers approximately 1,144 square feet on the main level, plus approximately 972 square feet of finished space on the lower level. The main level features an open floor plan with 3 bedrooms, 1 full bath, a brick fireplace, and a kitchen equipped with a cooktop, wall oven, refrigerator and dishwasher. The lower level provides additional living and entertaining space with a large recreation room, second brick fireplace, full bath with shower, and access to a spacious porch—an ideal place to take in the beauty of the Chesapeake Bay. DO NOT enter Shed may not be stable. Additional features include central air on the main level, baseboard heat and window A/C on the lower level, well and septic, and a roof reported to be approximately 10 years old. The home is in need of renovation and repair, making this an exciting opportunity for a buyer, investor or builder with the vision to transform the existing home or explore the possibilities this beautiful waterfront setting may offer. The real star here is the location: a sizable Chesapeake Bay waterfront lot, incredible water views, and the opportunity to create a one-of-a-kind Bay retreat. Property is being sold AS-IS. Buyers are encouraged to perform all inspections and due diligence regarding the condition of the home, waterfront, lot, well, septic and any future renovation or building plans. DO NOT enter Shed may not be safe.
Under contract
$450,000
11318 Bay Front Ave, Lusby, MD 20657
4beds
2,116sqft
Condominium
Built in 1976
-- sqft lot
$446,500 Zestimate®
$213/sqft
$15/mo HOA
What's special
Waterfront propertyBrick fireplaceSecond brick fireplaceIncredible water viewsOpen floor planSpectacular expansive bay viewsLarge recreation room
- 9 days |
- 748 |
- 60 |
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Lisa Riggleman 410-507-1233,
RE/MAX One 4437718009
Source: Bright MLS,MLS#: MDCA2030048
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 3
Basement
- Description: Percent Finished: 85.0
- Area: 1144
Heating
- Heat Pump, Electric
Cooling
- Other, Electric
Appliances
- Included: Cooktop, Dishwasher, Exhaust Fan, Oven, Refrigerator, Electric Water Heater
- Laundry: Washer/Dryer Hookups Only
Features
- Open Floorplan
- Flooring: Carpet, Vinyl
- Basement: Full
- Number of fireplaces: 2
- Fireplace features: Brick
Interior area
- Total structure area: 2,288
- Total interior livable area: 2,116 sqft
- Finished area above ground: 1,144
- Finished area below ground: 972
Property
Parking
- Total spaces: 8
- Parking features: Off Street, Driveway
- Uncovered spaces: 4
Accessibility
- Accessibility features: Other
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Has view: Yes
- View description: Bay, Scenic Vista
- Has water view: Yes
- Water view: Bay
Lot
- Size: 0.71 Acres
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 0501032674
- Zoning: R
- Special conditions: Standard
Construction
Type & style
- Home type: Condo
- Architectural style: Ranch/Rambler
- Property subtype: Condominium
Materials
- Stick Built, Concrete, Combination
- Foundation: Slab
- Roof: Shingle,Asphalt
Condition
- Below Average
- New construction: No
- Year built: 1976
Utilities & green energy
- Sewer: Private Septic Tank
- Water: Well
- Utilities for property: Electricity Available
Community & HOA
Community
- Condo and coop fee: $0 unknown
- Subdivision: Cove Lake
HOA
- Has HOA: Yes
- HOA fee: $180 annually
- HOA name: COVE LAKE ASOCIATION
Location
- Region: Lusby
Financial & listing details
- Price per square foot: $213/sqft
- Tax assessed value: $525,100
- Annual tax amount: $5,879
- Date on market: 8/17/2026
- Listing agreement: Exclusive Agency
- Listing terms: Cash,Other,FHA 203(b),Conventional
- Ownership: Fee Simple
Estimated market value
$446,500
$424,000 - $469,000
$2,292/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/25/2026 | Contingent | $450,000$213/sqft |
Source:  Bright MLS #MDCA2030048 Report a problem | ||
| 8/17/2026 | Listed for sale | $450,000$213/sqft |
Source: Bright MLS #MDCA2030048 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,691 +7.9% | $506,900 +3.7% |
| 2024 | $5,273 +7.9% | $488,700 +3.9% |
| 2023 | $4,889 +0.8% | $470,500 |
| 2022 | $4,849 +0.8% | $470,500 +1.6% |
| 2021 | $4,810 +0.3% | $462,900 +0.8% |
| 2020 | $4,793 -0.5% | $459,100 |
| 2019 | $4,816 | $459,100 |
| 2018 | $4,816 -1.9% | $459,100 -0.5% |
| 2017 | $4,911 -13.7% | $461,600 |
| 2016 | $5,693 | $461,600 |
| 2015 | $5,693 | $461,600 -0.5% |
| 2014 | $5,693 | $464,100 |
| 2013 | -- | $464,100 |
| 2012 | -- | $464,100 -16% |
| 2011 | -- | $552,790 |
| 2010 | -- | $552,790 -3.1% |
| 2009 | -- | $570,440 -5.7% |
| 2008 | -- | $604,690 +23.5% |
| 2007 | -- | $489,666 +30.7% |
| 2006 | -- | $374,643 +44.3% |
| 2005 | -- | $259,620 +4.9% |
| 2004 | -- | $247,382 +5.2% |
| 2003 | -- | $235,146 +5.5% |
| 2002 | -- | $222,910 +1.5% |
| 2001 | -- | $219,586 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 20657
Nearby schools
GreatSchools rating
- 6/10Dowell Elementary SchoolGrades: PK-5Distance: 3.5 mi
- 4/10Southern Middle SchoolGrades: 6-8Distance: 3.8 mi
- 8/10Patuxent High SchoolGrades: 9-12Distance: 2.9 mi
Schools provided by the listing agent
- Elementary: Dowell
- Middle: Southern
- High: Patuxent
- District: Calvert County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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