Drum Point on the Chesapeake Bay Nestled in the serene community of Drum Point, this exquisite raised ranch home offers a harmonious blend of comfort and luxury, perfect for those seeking an elevated lifestyle. With 1,518 square feet of thoughtfully designed living space, this residence features four spacious bedrooms and two full bathrooms, ensuring ample room for relaxation and entertainment. Step inside to discover an inviting open floor plan that seamlessly connects the kitchen and living areas, creating a warm atmosphere ideal for gatherings. The galley kitchen is equipped with high-end appliances, including a sleek stove, refrigerator, microwave, dishwasher, and disposal, making meal preparation a delight. The combination of functionality and style is enhanced by the charming family room that flows effortlessly from the kitchen, perfect for cozy evenings or lively get-togethers. Natural light pours through the thoughtfully placed windows, accentuating the home's inviting ambiance. Ceiling fans throughout provide a gentle breeze, enhancing the comfort of each room. The entry-level bedroom offers convenience and accessibility, making it a versatile space for guests or a home office. Outside, the property boasts a generous 0.33-acre lot, providing ample space for outdoor activities or serene moments of reflection. Enjoy the tranquility of the nearby Chesapeake Bay, with water access just a stone's throw away. Whether you're kayaking, fishing, or simply soaking in the stunning views, this location offers a unique opportunity to embrace a water-oriented lifestyle. Additional features include a convenient laundry area with a washer and dryer, ensuring that daily chores are a breeze. The property also includes a shed for extra storage, keeping your outdoor space organized and clutter-free. With a driveway that accommodates up to three vehicles, parking is never a concern. This home is not just a residence; it's a lifestyle choice that invites you to experience the beauty of waterfront living while enjoying the comforts of a well-appointed home. Embrace the charm of Drum Point and make this luxurious retreat your own. This is Chesapeake living at its finest — come home to the water.
For sale
Price cut: $30.1K (5/21)
$399,950
13015 Surf St, Lusby, MD 20657
4beds
1,518sqft
Single Family Residence
Built in 1977
0.33 Acres Lot
$399,500 Zestimate®
$263/sqft
$23/mo HOA
What's special
Nearby chesapeake bayCeiling fans throughoutShed for extra storageSleek stoveFour spacious bedroomsInviting open floor plan
- 71 days |
- 615 |
- 33 |
Zillow last checked:
Listing updated:
Listed by:
Walt Spann 301-529-2621,
RE/MAX United Real Estate 301-702-4200
Source: Bright MLS,MLS#: MDCA2026366
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 1
Basement
- Area: 506
Heating
- Baseboard, Electric
Cooling
- Window Unit(s), Electric
Appliances
- Included: Cooktop, Refrigerator, Microwave, Dishwasher, Disposal, Dryer, Washer, Electric Water Heater
Features
- Bathroom - Tub Shower, Ceiling Fan(s), Combination Kitchen/Living, Entry Level Bedroom, Family Room Off Kitchen, Open Floorplan, Kitchen - Galley
- Has basement: No
- Has fireplace: No
Interior area
- Total structure area: 1,518
- Total interior livable area: 1,518 sqft
- Finished area above ground: 1,012
- Finished area below ground: 506
Property
Parking
- Total spaces: 3
- Parking features: Driveway
- Uncovered spaces: 3
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Waterfront features: Bay
- Body of water: Chesapeake Bay
Lot
- Size: 0.33 Acres
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 0501139045
- Zoning: R
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Raised Ranch/Rambler
- Property subtype: Single Family Residence
Materials
- Frame
- Foundation: Block, Slab
Condition
- New construction: No
- Year built: 1977
Utilities & green energy
- Sewer: Public Sewer
- Water: Private, Well
Community & HOA
Community
- Subdivision: Drum Point
HOA
- Has HOA: Yes
- HOA fee: $275 annually
- HOA name: DRUM POINT PROPERTY OWNERS' ASSOCIATION
Location
- Region: Lusby
Financial & listing details
- Price per square foot: $263/sqft
- Tax assessed value: $334,600
- Annual tax amount: $3,833
- Date on market: 4/22/2026
- Listing agreement: Exclusive Agency
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
Estimated market value
$399,500
$380,000 - $419,000
$2,594/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/21/2026 | Price change | $399,950-7%$263/sqft |
Source: | ||
| 5/8/2026 | Price change | $430,000-6.5%$283/sqft |
Source: | ||
| 4/22/2026 | Listed for sale | $460,000$303/sqft |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $3,423 +5.8% | $317,267 +5.8% |
| 2024 | $3,236 +10.2% | $299,933 +6.1% |
| 2023 | $2,936 +2.4% | $282,600 |
| 2022 | $2,866 +2.5% | $282,600 +5% |
| 2021 | $2,796 +2.1% | $269,133 +2.6% |
| 2020 | $2,739 -0.5% | $262,400 |
| 2019 | $2,753 | $262,400 |
| 2018 | $2,753 -2.2% | $262,400 -0.8% |
| 2017 | $2,814 -18.1% | $264,500 +0.4% |
| 2016 | $3,437 | $263,500 +0.4% |
| 2015 | $3,437 | $262,500 +0.4% |
| 2014 | $3,437 | $261,500 |
| 2013 | -- | $261,500 |
| 2012 | -- | $261,500 -19.1% |
| 2011 | -- | $323,090 +5.4% |
| 2010 | -- | $306,662 +5.7% |
| 2009 | -- | $290,236 +6% |
| 2008 | -- | $273,810 +16.2% |
| 2007 | -- | $235,636 +19.3% |
| 2006 | -- | $197,463 +24% |
| 2005 | -- | $159,290 +6.4% |
| 2004 | -- | $149,666 +6.9% |
| 2003 | -- | $140,043 +7.4% |
| 2002 | -- | $130,420 +0.4% |
| 2001 | -- | $129,922 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.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
Nearby schools
GreatSchools rating
- 7/10Dowell Elementary SchoolGrades: PK-5Distance: 2.8 mi
- 6/10Mill Creek Middle SchoolGrades: 6-8Distance: 2.9 mi
- 7/10Patuxent High SchoolGrades: 9-12Distance: 2.4 mi
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.
A local agent can set up tours, give advice and negotiate with sellers.
- Maryland
- Calvert County
- Lusby
- 20657
- 13015 Surf St






