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12763 Bullet Bend Rd , Lusby, MD 20657
$444,900
Est. Payment: $2,367.94/mo
4 Bed
3 Bath
2538 Sqft
0.44 Acres
Status: active | Days on site: 3
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RMAX1006 - 3058157
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House Description

Life at the lake starts right out your back door. Set on about 0.44 acres with 113 feet of frontage on Lake Collusion, this cedar home in Chesapeake Ranch Estates lets you swim, fish, paddle, or take an electric-motor boat out on a quiet weekday evening, then walk back up to a home with real character. Step inside and the great room makes the first impression: soaring vaulted ceilings, exposed beams, hardwood floors, a spiral staircase, and a cozy fireplace, with filtered lake views through the trees. The bright white kitchen opens to the living space, so whoever is cooking stays part of the conversation. The main level also offers two bedrooms and a full bath, and the deck and porch extend your living space outdoors for grilling, relaxing, and watching the seasons change over the water. Upstairs, the primary suite feels like its own retreat, with an en suite bath, a large soaking tub, and a private observation deck for morning coffee above the treetops. The walkout lower level adds a bedroom, a full bath, a kitchenette, and flexible open space with direct access to the yard. Use it as a guest suite, a home office, a rec room, or a comfortable spot for extended stays. Laundry is on this level too. With four bedrooms and three full baths across three finished levels, there’s room for everyone to spread out. Outside, a shed keeps kayaks, paddle boards, and lake gear organized, and the driveway parks up to five cars. Chesapeake Ranch Estates adds a community beach, clubhouse, community center, lakes, bike trail, and picnic areas, all for a modest annual HOA fee. Best of all, this lake retreat is minutes from Patuxent River Naval Air Station, Solomons, and everyday shopping and dining, so you can work a full day and still catch the sunset on the water. Come see the setting for yourself.

Highlights

Listed by Robin D Cavallaro , 4437713362 RE/MAX Realty Group , 4107306100. Bright MLS

Property Type

Residential

Lot/Acreage
0.44

HOA Fee

622.66 Annually

Year Built

1993

County

Calvert

Neighborhood

Chesapeake Ranch Estates

School District

Calvert County Public Schools

Listing ID

MDCA2031398

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Air Cond:Ceiling Fan(s),Central A/C,Heat Pump(s)
Fireplaces:1 Fireplace
Floor:Carpet,Hardwood
Above Ground Sq Ft:1969
Below Ground Sq Ft:569
Basement:Daylight,Full,Front Entrance,Fully Finished,Heated,Improved,Interior Access,Outside Entrance,Side Entrance,Walkout Level,Windows
Other:
  • ▪ Main Floor Bedrooms:2
Water:Public

Exterior Features

Lot:Boat - Electric Motor Only,Canoe/Kayak,Fishing Allowed,Private Access,Swimming Allowed,Not New Construction,Horse Property: No,Waterfront
Garage Capacity:5
Zoning:R-1
Roof:Shingle
Others:
  • ▪ Additional:Very Good, Beach, Bike Trail, Common Grounds, Community Center, Lake, Picnic Area, Water/Lake Privileges
Sewer:On Site Septic,Private Septic Tank,Septic Exists
Parking Features:Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$2,368
Taxes
$330
HOA
$623

Home Price

$444,900

Loan Details

30 yrs
7%

Down Payment

20%
$88,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,367.94

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,367.94 $329.67 $622.66 $3,320.27
Yearly $28,415.34 $3,956.00 $7,471.92 $39,843.26
Total $852,460.07 $118,680.00 $224,157.60 $1,195,297.67
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Lusby, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

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Data last updated: 2026-11-14T01:13:51.000Z

© 2026 Bright MLS