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Under contract
  • $469,900

    12361 Silver Rock Cir, Lusby, MD 20657

    3beds
    1,820sqft
    : 
    $3,164/mo
    Get pre-qualified
    Single Family Residence
    Built in 1994
    0 Square Feet Lot
    $471,300 Zestimate®
    $258/sqft
    $49/mo HOA

    What's special

    Wood-burning fireplaceBeautifully renovated ensuite bathLarge walk-in showerScreened gazeboMulti-level deckingBeautifully crafted paver drivewayVaulted ceilings
    Welcome to your own private waterfront retreat! Nestled along the shores of a beautiful lake in Lusby, this stunning split-level home offers breathtaking open water views, private lake access, your own dock, and even a paddle boat—creating the perfect setting for fishing, kayaking, sunbathing, and making unforgettable memories. Outdoor enthusiasts will fall in love with the incredible amenities this property has to offer. Designed for entertaining and relaxation, the home features multi-level decking, a wood-burning pizza oven, a screened gazebo, a Sunsetter awning for shade, and an abundance of seating areas to enjoy the peaceful waterfront surroundings. Whether you're hosting summer gatherings or enjoying a quiet evening by the water, this property truly delivers the ultimate outdoor lifestyle. The beautifully crafted paver driveway provides parking for at least four vehicles and adds an elevated touch of curb appeal. A welcoming front porch overlooks the quiet street and offers the perfect spot to enjoy your morning coffee. Inside, you'll find a spacious and versatile floor plan featuring three bedrooms, with the potential for a fourth bedroom by converting the expansive lower level. The primary suite serves as a cozy retreat complete with a wood-burning fireplace, a beautifully renovated ensuite bath featuring a large walk-in shower, and a private balcony offering seasonal winter views of the lake. The main living area is filled with natural light thanks to a dramatic wall of windows. Vaulted ceilings enhance the open feel of the family room, while the spacious kitchen and dining area provide excellent functionality for everyday living and entertaining. The dining room also offers flexibility as a reading nook, home office, or playroom. Beyond its appeal as a primary residence, this property presents an exceptional opportunity for a lakefront Airbnb or vacation rental. With waterfront access, ample parking, and proximity to popular Southern Maryland attractions, it could generate passive income while serving as your own weekend getaway or second home. Opportunities like this are rare, as only a select few homes in the neighborhood enjoy waterfront access. Conveniently located with an easy commute to NAS Patuxent River, and just minutes from Solomons Island's restaurants, entertainment, museums, local events, and waterfront activities. Whether you're searching for a year-round residence, a vacation retreat, or an investment opportunity, this lakefront gem offers the perfect combination of comfort, recreation, and location. Don't miss your chance to own this beautiful waterfront paradise! Schedule your private showing today.
    38 days
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    93
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    2
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    Zillow last checked:

    Listing updated:

    Listed by:

    Melanie Montague 301-442-0154,

    EXP Realty, LLC 8888607369,

    Listing Team: Montague Properties Of Exp Realty

    Source: Bright MLS,MLS#: MDCA2027936MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      • Main level bathrooms: 1
      • Main level bedrooms: 1
      Basement
      • Area: 0
      Heating
      • Heat Pump, Electric
      Cooling
      • Ceiling Fan(s), Heat Pump, Electric
      Appliances
      • Included: Dishwasher, Dryer, Exhaust Fan, Oven/Range - Electric, Refrigerator, Washer, Water Heater, Electric Water Heater
      Features
      • Attic, Ceiling Fan(s), Bathroom - Walk-In Shower, Dining Area, Family Room Off Kitchen, Kitchen - Table Space
      • Flooring: Carpet
      • Basement: Partial,Finished,Walk-Out Access
      • Number of fireplaces: 2
      • Fireplace features: Wood Burning
      Interior area
      • Total structure area: 1,820
      • Total interior livable area: 1,820 sqft
      • Finished area above ground: 1,820
      • Finished area below ground: 0

      Property

      Parking
      • Total spaces: 4
      • Parking features: Driveway
      • Uncovered spaces: 4
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Multi/Split,Three
      • Stories: 3
      • Patio & porch: Deck, Patio
      • Exterior features: Rain Gutters, Balcony
      • Pool features: None
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Private Dock Site, Lake, Canoe/Kayak, Fishing Allowed, Private Access, Beach Access, Swimming Allowed
      • Body of water: Lake Lariat
      • Frontage length: Water Frontage Ft: 60
      Lot
      • Size: 0 Square Feet
      Details
      • Additional structures: Above Grade, Below Grade
      • Parcel number: 0501116487
      • Zoning: R
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Brick, Vinyl Siding
      • Foundation: Crawl Space
      Condition
      • New construction: No
      • Year built: 1994

      Utilities & green energy

      • Sewer: Septic Exists, Private Septic Tank
      • Water: Public

      Community & HOA

      Community
      • Subdivision: Chesapeake Ranch Estates
      HOA
      • Has HOA: Yes
      • Amenities included: Beach Access, Clubhouse, Common Grounds, Community Center, Lake, Non-Lake Recreational Area, Tot Lots/Playground, Water/Lake Privileges
      • HOA fee: $585 annually
      • HOA name: POACRE
      Location
      • Region: Lusby

      Financial & listing details

      • Price per square foot: $258/sqft
      • Tax assessed value: $338,300
      • Annual tax amount: $3,797
      • Date on market: 6/17/2026
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: FHA,Conventional,VA Loan,USDA Loan
      • Inclusions: Paddle Boat
      • Ownership: Fee Simple

        Estimated market value

        $471,300

        $448,000 - $495,000

        $2,371/mo

        Price history

        DateEventPrice
        6/23/2026Contingent$469,900$258/sqft
        Source: Bright MLS #MDCA2027936 Report a problem
        6/17/2026Listed for sale$469,9000%$258/sqft
        Source: Bright MLS #MDCA2027936 Report a problem
        6/12/2026Listing removed$470,000$258/sqft
        Source: Bright MLS #MDCA2026000 Report a problem
        5/21/2026Price change$470,000-1.1%$258/sqft
        Source: Bright MLS #MDCA2026000 Report a problem
        5/8/2026Listed for sale$475,000$261/sqft
        Source: Bright MLS #MDCA2026000 Report a problem
        4/28/2026Contingent$475,000$261/sqft
        Source: Bright MLS #MDCA2026000 Report a problem
        4/6/2026Listed for sale$475,000$261/sqft
        Source: Bright MLS #MDCA2026000 Report a problem
        4/1/2026Listing removed$475,000$261/sqft
        Source: Bright MLS #MDCA2023874 Report a problem
        3/8/2026Price change$475,000-2.9%$261/sqft
        Source: Bright MLS #MDCA2023874 Report a problem
        12/9/2025Price change$489,000-2.2%$269/sqft
        Source: Bright MLS #MDCA2023874 Report a problem
        11/5/2025Listed for sale$500,000+28.2%$275/sqft
        Source: Bright MLS #MDCA2023874 Report a problem
        8/19/2025Sold$390,000+81.4%$214/sqft
        Source: Public Record Report a problem
        5/27/2016Sold$215,000-1.8%$118/sqft
        Source: Public Record Report a problem
        3/1/2016Pending sale$219,000$120/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        1/5/2016Listed for sale$219,000+9.6%$120/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        12/4/2015Listing removed$199,900$110/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        10/31/2015Pending sale$199,900$110/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        9/29/2015Price change$199,900-20%$110/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        8/30/2015Price change$249,900-3.8%$137/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        7/18/2015Price change$259,900-3.7%$143/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        4/17/2015Price change$269,900-6.9%$148/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        4/4/2015Listed for sale$289,900-3%$159/sqft
        Source: Residential Plus Real Estate Services #CA8593941 Report a problem
        10/20/2014Listing removed$299,000$164/sqft
        Source: O'Brien Realty #CA8470764 Report a problem
        10/2/2014Listed for sale$299,000+124.4%$164/sqft
        Source: O Brien Realty #CA8470764 Report a problem
        12/23/1993Sold$133,240+583.3%$73/sqft
        Source: Public Record Report a problem
        10/8/1993Sold$19,500$11/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,387 +8.4%$313,933 +8.4%
        2024$3,124 +13.4%$289,567 +9.2%
        2023$2,755 +4.5%$265,200
        2022$2,638 +4.7%$265,200 +9.3%
        2021$2,521 +4.4%$242,600 +4.9%
        2020$2,415 +1%$231,300
        2019$2,391 +1.5%$231,300 +3%
        2018$2,356 +0.1%$224,567 +1.5%
        2017$2,354 +44.1%$221,200
        2016$1,634 $221,200
        2015$1,634 $221,200 -1.1%
        2014$1,634 $223,700
        2013-- $223,700
        2012-- $223,700 -17%
        2011-- $269,580 +3.1%
        2010-- $261,552 +3.2%
        2009-- $253,526 +3.3%
        2008-- $245,500 +15.1%
        2007-- $213,362 +17.7%
        2006-- $181,226 +21.6%
        2005-- $149,090 +2.4%
        2004-- $145,650 +2.4%
        2003-- $142,210 +2.5%
        2002-- $138,770 +0.4%
        2001-- $138,256
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 20657

        Getting around

        0 / 100
        Car-Dependent
        2 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • 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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