***Assumable VA Loan with a 2.25% Interest rate*** Welcome to 12951 Mills Creek Dr., a fully renovated waterfront retreat with 3 bedrooms, 3 full baths, and over 2,600 sqft of living space. Located in the peaceful Drum Point community, this home features an open floor plan, vaulted ceilings, hardwood floors, and abundant natural light throughout. Enjoy relaxing year-round in the 220 sqft screened-in porch, which lives like a second living room and overlooks serene Mills Creek, perfect for kayaking and fishing right from your backyard. The main level offers plush carpeting in bedrooms, a washer and dryer for convenience, and a well-appointed kitchen ideal for entertaining. The finished lower level includes high-quality vinyl flooring, a cozy fireplace, a bedroom, a full bath, and a flexible space perfect for a home office or 4th bedroom. A large indoor workshop and generous storage areas provide added functionality. You'll love the quiet neighborhood, where friendly neighbors enjoy walks throughout the day. As a bonus, residents have access to private community amenities, including a boat ramp, beach, and clubhouse. If you’re looking for style, comfort, and direct water access, this home is the one. Don’t miss your chance to own this stunning slice of waterfront paradise in Lusby, MD! The buyer of this home also has the rare opportunity to purchase the neighboring lot at 12947 Mills Creek Dr., Lusby, MD 20657 (MLS# MDCA2022010) for $60,000. This additional parcel offers extra privacy, space for future expansion, or the potential to build your dream guesthouse, garage, or water-access getaway.
Sold for $575,000
$575,000
12951 Mills Creek Dr, Lusby, MD 20657
3beds
2,600sqft
Single Family Residence
Built in 1990
0.34 Acres Lot
$586,000 Zestimate®
$221/sqft
$2,738 Estimated rent
Home value
$586,000
$551,000 - $627,000
$2,738/mo
Zestimate® history
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List your homeWhat's special
Waterfront retreatCozy fireplaceWasher and dryerVaulted ceilingsHardwood floorsLarge indoor workshopAbundant natural light
Zillow last checked:
Listing updated:
Listed by:
Kenneth Powell 240-237-7855,
Realty One Group Performance, LLC
Bought with:
Conor Loughran, 626863
CENTURY 21 New Millennium
Source: Bright MLS,MLS#: MDCA2021996
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 2
Rooms
- Room types: Living Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Den, Study, Great Room, Laundry, Other, Workshop, Bedroom 6
Primary bedroom
- Features: Flooring - Carpet
- Level: Main
- Area: 288 Square Feet
- Dimensions: 16 X 18
Bedroom 2
- Level: Main
- Area: 182 Square Feet
- Dimensions: 13 X 14
Bedroom 3
- Level: Lower
- Area: 154 Square Feet
- Dimensions: 11 X 14
Bedroom 6
- Level: Unspecified
Den
- Level: Lower
Family room
- Level: Lower
- Area: 504 Square Feet
- Dimensions: 18 X 28
Great room
- Level: Unspecified
Kitchen
- Level: Main
- Area: 210 Square Feet
- Dimensions: 14 X 15
Laundry
- Level: Unspecified
Living room
- Features: Flooring - Carpet
- Level: Main
- Area: 672 Square Feet
- Dimensions: 24 X 28
Other
- Features: Basement - Finished
- Level: Lower
- Area: 120 Square Feet
- Dimensions: 12 x 10
Study
- Level: Unspecified
Workshop
- Level: Unspecified
Workshop
- Level: Lower
- Area: 140 Square Feet
- Dimensions: 14 x 10
Heating
- Central, Forced Air, Electric, Natural Gas
Cooling
- Ceiling Fan(s), Heat Pump, Electric
Appliances
- Included: Dishwasher, Dryer, Exhaust Fan, Microwave, Oven/Range - Electric, Range Hood, Refrigerator, Washer, Electric Water Heater
- Laundry: Main Level, Washer In Unit, Laundry Room
Features
- Breakfast Area, Kitchen - Country, Primary Bath(s), Open Floorplan, Cathedral Ceiling(s), Vaulted Ceiling(s)
- Flooring: Hardwood, Carpet
- Windows: Window Treatments
- Basement: Connecting Stairway,Exterior Entry,Finished,Walk-Out Access
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
Interior area
- Total structure area: 2,734
- Total interior livable area: 2,600 sqft
- Finished area above ground: 1,375
- Finished area below ground: 1,225
Property
Parking
- Parking features: Circular Driveway, Off Street, Driveway
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: Split Foyer,Two
- Stories: 2
- Patio & porch: Deck, Patio, Screened, Porch
- Pool features: None
- Has view: Yes
- View description: Creek/Stream, Water
- Has water view: Yes
- Water view: Creek/Stream,Water
- Waterfront features: Boat/Launch Ramp - Private, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Boat - Powered
- Body of water: Mills Creek
- Frontage length: Water Frontage Ft: 30
Lot
- Size: 0.34 Acres
- Features: Stream/Creek, Tidal Wetland
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 0501165984
- Zoning: R
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Block
- Roof: Asphalt
Condition
- Excellent
- New construction: No
- Year built: 1990
Utilities & green energy
- Sewer: Approved System
- Water: Well
- Utilities for property: Cable Available, Propane, Sewer Available
Community & HOA
Community
- Subdivision: Drum Point
HOA
- Has HOA: Yes
- Amenities included: Beach Access, Community Center, Non-Lake Recreational Area, Pier/Dock, Water/Lake Privileges
- Services included: Road Maintenance
- HOA fee: $188 annually
- HOA name: DRUM POINT ASSOCIATION
Location
- Region: Lusby
Financial & listing details
- Price per square foot: $221/sqft
- Tax assessed value: $442,500
- Annual tax amount: $4,469
- Date on market: 7/5/2025
- Listing agreement: Exclusive Agency
- Listing terms: Cash,FHA,VA Loan,Conventional,USDA Loan
- Exclusions: Nest Thermostats, Freezer In The Basement
- Ownership: Fee Simple
Price history
| Date | Event | Price |
|---|---|---|
| 9/5/2025 | Sold | $575,000+6.5%$221/sqft |
Source:  Bright MLS #MDCA2021996 Report a problem | ||
| 8/4/2025 | Pending sale | $540,000$208/sqft |
Source: Bright MLS #MDCA2021996 Report a problem | ||
| 7/22/2025 | Contingent | $540,000$208/sqft |
Source: Bright MLS #MDCA2021996 Report a problem | ||
| 7/5/2025 | Listed for sale | $540,000+58.8%$208/sqft |
Source: Bright MLS #MDCA2021996 Report a problem | ||
| 2/3/2017 | Sold | $340,000+13.4%$131/sqft |
Source: Public Record Report a problem | ||
| 7/1/2003 | Sold | $299,900$115/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,436 +8.3% | $411,100 +8.3% |
| 2024 | $4,097 +13.2% | $379,700 +9% |
| 2023 | $3,619 +1.6% | $348,300 |
| 2022 | $3,563 +1.6% | $348,300 +3.2% |
| 2021 | $3,507 +1.1% | $337,500 +1.6% |
| 2020 | $3,467 +4.2% | $332,100 |
| 2019 | $3,326 +5% | $332,100 +9.9% |
| 2018 | $3,169 +3.7% | $302,100 +5.2% |
| 2017 | $3,055 -18.9% | $287,100 |
| 2016 | $3,767 | $287,100 |
| 2015 | $3,767 | $287,100 -1.1% |
| 2014 | $3,767 | $290,200 |
| 2013 | -- | $290,200 |
| 2012 | -- | $290,200 -18.5% |
| 2011 | -- | $355,970 |
| 2010 | -- | $355,970 |
| 2009 | -- | $355,970 -0.2% |
| 2008 | -- | $356,550 +11.2% |
| 2007 | -- | $320,780 +12.6% |
| 2006 | -- | $285,010 +14.4% |
| 2005 | -- | $249,240 +5% |
| 2004 | -- | $237,460 +5.2% |
| 2003 | -- | $225,680 +5.5% |
| 2002 | -- | $213,900 +2.3% |
| 2001 | -- | $209,046 |
Find assessor info on the county website
Neighborhood: 20657
Nearby homes
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Nearby schools
GreatSchools rating
- 7/10Dowell Elementary SchoolGrades: PK-5Distance: 1.8 mi
- 6/10Mill Creek Middle SchoolGrades: 6-8Distance: 2 mi
- 7/10Patuxent High SchoolGrades: 9-12Distance: 1.5 mi
Schools provided by the listing agent
- 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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Estimated market value
$586,000
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Estimated market value
$586,000
- Maryland
- Calvert County
- Lusby
- 20657
- 12951 Mills Creek Dr
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