Welcome to your over 4500 sq ft dream waterfront on the deep, navigable waters of Mill Creek! A show-stopping Mediterranean masterpiece with an almost 200 ft pier… bring ALL the water toys! Every inch of this one-of-a-kind waterfront estate was designed for elegance, entertainment, and effortless living. Step through the grand mahogany doors and immediately take in the sweeping water views that frame the heart of the home. The main level showcases rich exotic Bubinga wide-plank flooring, custom built-ins, and open, light-filled spaces that invite you to gather, dine, and unwind. Tray ceilings with built-in lighting and abundant recessed lights set the perfect mood. The inviting family room features a gas fireplace, built-in shelving, and captivating views of the water. The gourmet kitchen is as stunning as it is functional… featuring travertine flooring, inset cabinetry, and professional-grade top-of-the- line appliances including Sub-Zero, Wolf, and Miele. Just beyond, the multiple living areas open to expansive decks overlooking the water — perfect for morning coffee or sunset cocktails. The entire second level is dedicated to the primary suite, offering two private balconies, a wet bar and beverage center, office area, spacious sitting area, dual closets, and a spa-inspired bath complete with heated travertine floors, a soaking tub, and a walk-through shower with a steamer. The upper level includes three spacious bedroom suites, each with their own private bath and gorgeous water views. Bring the party to the basement level where the memories are made — an entertainer’s dream with a custom bar, media and game spaces, and a private saltwater plunge pool and spa that can be enjoyed year-round. The pier includes two slips, a 12-ft boat lift, 50-amp shore power, and approximately eight feet of water depth, ideal for all the boating and waterfront adventures. With thoughtful details throughout, this home offers many other luxury features such as an elevator, generator, high efficiency 3-zoned HVAC with separate controls per room, 10 and 9 ft ceilings throughout, Ipe decking, tons of outdoor hardscaping, speaker system throughout entire house, and a laundry chute! Additional nearby lot with a shed for storage and water toys convey. A rare opportunity to own a remarkable waterfront residence that effortlessly blends luxury, comfort, and coastal living. Welcome to the good life on Mill Creek!
For sale
Price cut: $49.1K (7/20)
$1,249,900
206 Harbor Dr, Lusby, MD 20657
4beds
4,406sqft
Single Family Residence
Built in 2007
0.51 Acres Lot
$1,218,900 Zestimate®
$284/sqft
$28/mo HOA
What's special
- 45 days
- 626
- 29
Zillow last checked:
Listing updated:
Listed by:
Cheryl Bare 202-409-6161,
CENTURY 21 New Millennium 3016099000,
Co-Listing Agent: Mallory Bare 443-404-3425,
CENTURY 21 New Millennium
Source: Bright MLS,MLS#: MDCA2029558
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Rooms
- Room types: Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Foyer, Laundry, Recreation Room, Full Bath
Primary bedroom
- Level: Upper
Bedroom 2
- Level: Upper
Bedroom 3
- Level: Upper
Bedroom 4
- Level: Upper
Dining room
- Level: Main
Family room
- Level: Main
Foyer
- Level: Main
Other
- Level: Upper
Other
- Level: Upper
Other
- Level: Upper
Kitchen
- Level: Main
Laundry
- Level: Lower
Recreation room
- Level: Lower
Heating
- Heat Pump, Electric
Cooling
- Ceiling Fan(s), Central Air, Heat Pump, Electric
Appliances
- Included: Microwave, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Extra Refrigerator/Freezer, Humidifier, Ice Maker, Oven, Range Hood, Refrigerator, Oven/Range - Gas, Stainless Steel Appliance(s), Washer, Water Heater, Washer/Dryer Stacked, Instant Hot Water
- Laundry: Lower Level, Laundry Room
Features
- Bar, Bathroom - Walk-In Shower, Breakfast Area, Built-in Features, Ceiling Fan(s), Combination Dining/Living, Crown Molding, Dining Area, Elevator, Family Room Off Kitchen, Open Floorplan, Kitchen - Gourmet, Kitchen Island, Primary Bath(s), Primary Bedroom - Bay Front, Recessed Lighting, Sound System, Upgraded Countertops, Walk-In Closet(s), 9'+ Ceilings, Tray Ceiling(s)
- Flooring: Stone, Hardwood, Other, Carpet, Wood
- Doors: Atrium, Sliding Glass
- Windows: Casement, Double Pane Windows, Vinyl Clad
- Basement: Finished
- Number of fireplaces: 2
- Fireplace features: Free Standing, Gas/Propane, Marble, Mantel(s)
Interior area
- Total structure area: 4,406
- Total interior livable area: 4,406 sqft
- Finished area above ground: 3,482
- Finished area below ground: 924
Property
Parking
- Total spaces: 7
- Parking features: Storage, Garage Faces Front, Garage Door Opener, Inside Entrance, Circular Driveway, Gravel, Attached, Driveway, Off Street, Other
- Attached garage spaces: 1
- Uncovered spaces: 4
Accessibility
- Accessibility features: Accessible Elevator Installed
Features
- Levels: Four
- Stories: 4
- Patio & porch: Brick, Deck, Terrace
- Exterior features: Extensive Hardscape, Private Beach, Balcony
- Has private pool: Yes
- Pool features: Salt Water, Concrete, Private
- Spa features: Bath
- Has view: Yes
- View description: Creek/Stream, Garden, Scenic Vista, Water
- Has water view: Yes
- Water view: Creek/Stream,Water
- Waterfront features: Private Dock Site, Creek/Stream, Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access, Swimming Allowed, Waterski/Wakeboard
- Body of water: Mill Creek
- Frontage length: Water Frontage Ft: 75
Lot
- Size: 0.51 Acres
- Features: Landscaped, Premium, Rear Yard, Stream/Creek
Details
- Additional structures: Above Grade, Below Grade
- Additional parcels included: Nearby lot with shed, septic drain fields, and additional storage.
- Parcel number: 0501068628
- Zoning: R-1
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Mediterranean,Colonial
- Property subtype: Single Family Residence
Materials
- Dryvit, Stone, Stucco
- Foundation: Pilings
- Roof: Metal
Condition
- Excellent
- New construction: No
- Year built: 2007
Utilities & green energy
- Sewer: Private Septic Tank
- Water: Private, Well
- Utilities for property: Cable Connected, Propane
Community & HOA
Community
- Security: Carbon Monoxide Detector(s), Exterior Cameras, Smoke Detector(s), Security System
- Subdivision: Drum Point
HOA
- Has HOA: Yes
- Amenities included: Beach Access, Boat Ramp, Common Grounds, Lake, Water/Lake Privileges
- Services included: Management, Recreation Facility, Reserve Funds, Snow Removal
- HOA fee: $335 annually
Location
- Region: Lusby
Financial & listing details
- Price per square foot: $284/sqft
- Tax assessed value: $881,867
- Annual tax amount: $9,907
- Date on market: 7/20/2026
- Listing agreement: Exclusive Right To Sell
- Inclusions: Alarm System, Ceiling Fans, Clothes Dryer, Clothes Washer, Cooktop, Dishwasher, Exhaust Fan, Garage Opener, Garbage Disposal, Hot Tub, Hot Tub Equipment, Hot Tub Cover, Microwave, Pool, Pool Equipment, Pool Cover, Refrigerator, Refrigerator W / Icemaker, Screens, Shades / Blinds, Storage Sheds, Wall Mount Tv Brackets, Wall Oven.
- Ownership: Fee Simple
Estimated market value
$1,218,900
$1.16M - $1.28M
$4,557/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/20/2026 | Price change | $1,249,900-3.8%$284/sqft |
Source:  Bright MLS #MDCA2029558 Report a problem | ||
| 5/30/2026 | Listed for sale | $1,299,000$295/sqft |
Source: Bright MLS #MDCA2024034 Report a problem | ||
| 5/23/2026 | Listing removed | $1,299,000$295/sqft |
Source: Bright MLS #MDCA2024034 Report a problem | ||
| 11/12/2025 | Listed for sale | $1,299,000-7.2%$295/sqft |
Source: Bright MLS #MDCA2024034 Report a problem | ||
| 10/26/2025 | Listing removed | $1,399,999$318/sqft |
Source: Bright MLS #MDCA2020146 Report a problem | ||
| 8/8/2025 | Price change | $1,399,999-6.4%$318/sqft |
Source: Bright MLS #MDCA2020146 Report a problem | ||
| 4/6/2025 | Listed for sale | $1,495,000$339/sqft |
Source: Bright MLS #MDCA2020146 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $10,659 +12% | $951,033 +7.8% |
| 2024 | $9,515 +12.7% | $881,867 +8.5% |
| 2023 | $8,444 +1.4% | $812,700 |
| 2022 | $8,331 +1.4% | $812,700 +2.7% |
| 2021 | $8,218 +0.9% | $790,967 +1.4% |
| 2020 | $8,144 +0.8% | $780,100 |
| 2019 | $8,081 +1.3% | $780,100 +2.6% |
| 2018 | $7,979 -0.1% | $760,633 +1.3% |
| 2017 | $7,990 -20.2% | $750,900 |
| 2016 | $10,017 | $750,900 |
| 2015 | $10,017 | $750,900 -6.1% |
| 2014 | $10,017 | $799,400 |
| 2013 | -- | $799,400 |
| 2012 | -- | $799,400 -18.3% |
| 2011 | -- | $978,530 |
| 2010 | -- | $978,530 |
| 2009 | -- | $978,530 -1% |
| 2008 | -- | $988,800 +202.5% |
| 2007 | -- | $326,862 +23.4% |
| 2006 | -- | $264,806 +30.6% |
| 2005 | -- | $202,750 +7.3% |
| 2004 | -- | $188,876 +7.9% |
| 2003 | -- | $175,003 +8.6% |
| 2002 | -- | $161,130 +0.1% |
| 2001 | -- | $161,016 |
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
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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