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1045 Church Road

Lusby, MD 20657

Name: Open House: 11am-1pm
Start: 2025-03-29T11:00:00
End: 2025-03-29T13:00:00
Location: 1045 Church Road

3 beds
3 baths
2,860 sqft
~1 acre lot
$279 per sqft
1972 build

***OPEN HOUSE - Thursday, March 27, 4pm-6pm** LOCATION! LOCATION! LOCATION! Waterviews abound from practically every part of this beautiful 1.21-acre property with 449' of Frontage & 10'+ Water Depth on Mill Creek. The frontage is ripped rapped and boasts 2 private piers, each with deep water, and a private boat ramp! This is the perfect lot/location! As you approach the home, you'll notice a spacious driveway with ample parking and scenic views of Mill Creek. Step onto the front porch and into the welcoming foyer—an ideal space to greet family and friends. To the right, you’ll find a convenient laundry room, and to the left, a nicely sized kitchen featuring a brand-new refrigerator and stove. Flowing back through the kitchen, you’ll enter the generous dining room, offering plenty of space for a full dining set and perfect for hosting while your guests enjoy glimpses of the water. Beyond the dining area lies a spacious living room, highlighted by expansive views of Mill Creek. Just off the living room is a charming sunroom—likely to become your favorite spot in the house—where you can soak in the stunning sunsets and peaceful waterfront views. Down the main hallway, you’ll find a large hall bathroom that serves the main floor including the second bedroom. The primary suite is complete with an ensuite bath, walk-in closet, and, of course, more water views. A second bedroom is conveniently located nearby for guests. Upstairs features a third bedroom, another full bath, and a large family room with breathtaking views of the water, along with a galley-style kitchenette—ideal for added comfort or guest use. The partially finished basement offers great potential for storage, a recreation room, or anything else you envision. Outside, the property includes two sheds, mature trees, and a spacious yard ready for your landscaping dreams. Additional features of this special home include a newly encapsulated crawlspace, newer septic system with BAT system, new oil tank, generator hookup at the panel, new attic insulation, new crawlspace insulation, and a brand-new roof installed last year. Original oak floors add warmth and charm throughout the home. ****We have verified via the Calvert County Health Department that the existing septic system is approved for up to 3999 finished sqft. This property is the perfect candidate for a remodel or small addition. 3,000+ modernized sqft in this location with the character of this lot would result in a value +/- $1,500,000!! Put your touches on this home and pick up some upside along the way!!*** No interior photos are provided at this time due to the interior being staged for an upcoming estate sale. This waterfront gem is truly special and priced to sell—don’t miss your opportunity. Schedule your private showing today!

Listing courtesy of BRIGHT / CENTURY 21 New Millennium

Last checked: Checking… • Last updated Mar 27, 2025 •

MLS# MDCA2020264 —

Upcoming Open Houses

Saturday, 3/29
11am-1pm

The Building

Year Built:

1972
Year Built Source:

Assessor
Roof:

Architectural Shingle
New Construction:

No
Construction Materials:

Brick
Structure Type:

Detached
Architectural Style:

Cape Cod, Ranch/Rambler
Levels:

3
Door Features:

French, Sliding Glass
Accessibility Features:

Other
Foundation Details:

Slab, Crawl Space
Basement:

Yes
Basement Type:

Connecting Stairway, Improved, Interior Access, Outside Entrance, Partial, Side Entrance, Walkout Level, Workshop, Partially Finished
Total SqFt Source:

Assessor
Total Below Grade SqFt:

688
Total Below Grade SqFt Source:

Assessor
Above Grade Finished Area Units:

Square Feet
Above Grade Finished SqFt:

2860
Above Grade Finished SqFt Source:

Assessor
Below Grade Finished Area Units:

Square Feet
Below Grade Unfinished Area Units:

Square Feet
Below Grade Finished SqFt Source:

Assessor
Below Grade Unfinished SqFt:

688
Below Grade Unfinished SqFt Source:

Assessor
Tax Total Finished SqFt:

2860

Interior

Interior Features:

Bathroom - Soaking Tub, Bathroom - Jetted Tub, Bathroom - Tub Shower, Breakfast Area, Carpet, Ceiling Fan(s), Dining Area, Entry Level Bedroom, Floor Plan - Traditional, Kitchen - Island, Primary Bath(s), Wood Floors
Room List:

Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Foyer, Study, Laundry, Recreation Room, Storage Room, Workshop, Bathroom 2, Bathroom 3
Flooring Type:

Carpet, Laminated, Wood, Ceramic Tile
Fireplace:

No
Living Area SqFt Source:

Assessor

Room Dimensions

Total SqFt:

3548
Living Area SqFt:

2,860 Sqft

Financial & Terms

Sale Type:

Standard
Acceptable Financing:

Cash, FHA, VA, Other
Possession:

Negotiable

Location

Directions:

From C21NM PF: S on MD 4, Turn left onto Rousby Hall Rd (MD-760). Go for 0.3 mi., Continue on Rousby Hall Rd (MD-760). Go for 1.2 mi., Take the 2nd exit from roundabout onto Olivet Rd. Go for 1.5 mi., Turn left onto Church Rd. Go for 0.2 mi.
Latitude:

38.33661000
Longitude:

-76.44056000
Location Type:

Creek/Stream

The Property

Property Type:

Residential
Property Condition:

Good
Lot Size Units:

Square Feet
Lot Size Acres:

1.21
Lot Size Source:

Assessor
Lot Features:

Fishing Available, Premium, Rear Yard, SideYard(s), Stream/Creek
Lot SqFt:

52,708 Sqft
Zoning:

R-1
View:

Creek/Stream, Scenic Vista
In City Limits:

No
Outdoor Living Structures:

Porch(es)
Other Structures:

Above Grade, Below Grade
Waterview:

Yes
Waterfront:

Yes
Waterfront Features:

Rip-Rap, Boat/Launch Ramp - Private, Private Dock Site
Water Oriented:

Yes
Water Access:

Yes
Water Access Features:

Boat - Powered, Fishing Allowed, Canoe/Kayak, Personal Watercraft (PWC), Private Access, Sail, Swimming Allowed, Waterski/Wakeboard
Distance To Water:

Feet
Distance To Body Of Water:

84
Water Body Name:

Mill Creek
Water Body Type:

Creek/Stream
Mean Low Water Feet:

10
Navigable Water:

Yes
Water Frontage In Feet:

449
Tidal Water:

Yes
Land Use Code:

R
Riparian Rights:

Yes

Listing Agent

Contact info:

Taxes

Tax ID Number:

0501000896
Tax Year:

2024
Tax Annual Amount:

$7,298
Tax Assessed Value:

$666,433
Year Assessed:

2025
County Tax:

6888.00
Total Taxes Payment Frequency:

Annually

Beds

Bedrooms:

3
Bedrooms Main Level:

2
Upper Level Bedrooms:

1
Upper Level 1 Bedrooms:

1

Baths

Total Baths:

3
Full Baths:

3
Main Level Baths:

2.00
Main Level Full Baths:

2
Upper Level Full Baths:

1
Upper Level Total Baths:

1
Upper Level Total Baths:

1.00
Upper Level Full Baths:

1

Heating & Cooling

Cooling Type:

Central A/C, Ceiling Fan(s)
Central Air:

Yes
Cooling Fuel:

Electric
Heating:

Yes
Heating Type:

Forced Air, Baseboard - Hot Water
Heating Fuel:

Oil

Utilities

Sewer/Septic:

On Site Septic
Hot Water:

Electric
Water Source:

Well

Appliances

Appliances:

Dishwasher, Exhaust Fan, Refrigerator, Icemaker, Oven/Range - Electric, Stove, Water Heater
Laundry Type:

Hookup, Main Floor

Schools

Elementary School:

Dowell
Middle School:

Mill Creek
High School:

PATUXENT
School District Name:

Calvert County Public Schools
School District Source:

3rd Party

The Community

Subdivision Name:

Mill Creek
Senior Community:

No
Pool:

No Pool
Docks:

2
Dock Type And Features:

Multiple Slip, Private
Dock/Slip Conveyance:

Yes
Dock/Slip Conveyance:

Physical Dock/Slip Conveys
Slips:

4
HOA:

No
Condo/Coop Association:

No

Parking

Total Garage and Parking Spaces:

4
Garage:

No
Type of Parking:

Driveway
Parking Features:

Asphalt Driveway
Driveway - # of Spaces:

4

Extra Units

Vacation Rental:

No

Monthly cost estimate

Asking price

$799,900

Expense	Monthly cost
Mortgage	$4,283
Taxes	$608
Insurance	$219
Utilities	$217 See report
Total	$5,327/mo.^*
	^*This is an estimate

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Sale history

Date	Event	Source	Price	% Change
3/25/25 Mar 25, 2025	Listed / Active	BRIGHT	$799,900

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This house located in Lusby, MD 20657 is currently for sale for $799,900. 1045 Church Road is a 2,860 square foot house with 3 beds and 3 baths. This house is in the attendance area of Mill Creek Middle School, Dowell Elementary School, and Patuxent High School.

Listing Courtesy of: BRIGHT and CENTURY 21 New Millennium.

The information included in this listing is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information on each listing is furnished by the owner and deemed reliable to the best of his/her knowledge, but should be verified by the purchaser. BRIGHT MLS and Estately assume no responsibility for typographical errors, misprints or misinformation. This property is offered without respect to any protected classes in accordance with the law. Some real estate firms do not participate in IDX and their listings do not appear on this website. Some properties listed with participating firms do not appear on this website at the request of the seller.

1045 Church Road

Lusby, MD 20657