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1040 White Sands Dr , Lusby, MD 20657
$1,499,000
Est. Payment: $7,978.31/mo
7 Bed
7 Bath
5761 Sqft
3 Acres
Status: active | Days on site: 46
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EXXP23 - 77216
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House Description

A truly rare opportunity to own one of the area's most distinctive estates. Situated on approximately 3 private acres, this remarkable Tidewater Vernacular Revival residence offers nearly 6,000 square feet of living space with 7 bedrooms, 6 full bathrooms, and 1 half bath, delivering an unmatched combination of historic character, modern comfort, exceptional craftsmanship, and income-producing potential. Currently operated as a successful multi-unit Airbnb with over 6 figures yearly in income offering three private guest suites and a separate main residence, the property provides incredible flexibility for a variety of lifestyles and investment goals. Continue operating as a short-term rental, create a multigenerational compound, enjoy a primary residence with supplemental rental income, or utilize as a single grand estate. Steeped in local history, the home's exact age remains unknown after county records were lost in a courthouse fire, but local historians believe it may have been built by John Bancroft. Expert brick masons have noted that the home's distinctive brickwork predates 1900. Built to an extraordinary standard rarely seen today, the structure features over 20-inch-thick brick walls, concrete-supported floors reinforced by riveted steel beams, and a legendary 100-year copper roof. The result is a residence that feels more like a fortress than a traditional home. Since purchasing the property in 2018, the current owners have invested extensively in updating, improving, and maintaining the home while preserving its historic integrity and architectural significance. The result is a property that seamlessly blends timeless craftsmanship with the conveniences expected by today's homeowners and guests. The expansive main kitchen is designed for both everyday living and entertaining, featuring a Thermador six-burner gas range with integrated grill, farmhouse sink, bar sink, abundant workspace, and generous storage. The owner's suite is a private retreat featuring a wood-burning fireplace and a secure three-point locking exterior door that opens to an industrial-style metal exit staircase. A second wood-burning stove adds warmth and character to the lower level. The property offers an abundance of unique amenities seldom found in a single residence, including a secured concrete panic room with steel door, lock guards, and keypad access; a whole-house alarm system with independent controls for each living area; app-based monitoring capabilities; and exterior camera systems covering the garage and rear grounds. Storage is exceptional throughout. A massive fully floored attic spans nearly the entire upper level and breezeway, providing an enormous amount of easily accessible storage space. The two-car garage includes built-in shelving, while the home's versatile layout accommodates everything from a home gym to hobby spaces and work-from-home needs. Natural light floods the upper and lower breezeways, where walls of windows frame beautiful views and create inviting transitional spaces. Outside, landscaped stone pathways meander throughout the grounds, leading to a fenced garden area, a fully functional chicken coop, and numerous opportunities for expansion. With ample acreage available, there is room to add a pool, detached workshop, guest cottages, recreational amenities, or additional outdoor living spaces. Boating enthusiasts will appreciate the property's proximity to a local marina just minutes away, offering deep-water slips and convenient access for spending unforgettable days cruising, fishing, and exploring the river. Properties offering this level of history, versatility, privacy, security, and income potential are exceptionally difficult to find. Whether you're seeking a landmark residence, a multigenerational family compound, a hospitality investment, or a combination of all three, this one-of-a-kind estate presents an opportunity unlike any other. Please no driveby's as there are guests at times.

Highlights

Listed by Melanie D Montague , 3014420154 EXP Realty, LLC , 8888607369. Bright MLS

Property Type

Residential

Lot/Acreage
3

HOA Fee

540 Annually

Year Built

1890

County

Calvert

Neighborhood

White Sands

School District

Calvert County Public Schools

Listing ID

MDCA2030578

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:7
  • ▪ Bathrooms:7
  • ▪ Full Bathrooms:6
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Built-In Range, Commercial Range, Dishwasher, Dryer, Exhaust Fan, Extra Refrigerator/Freezer, Microwave, Refrigerator, Washer, Water Heater
Air Cond:Ceiling Fan(s),Ductless/Mini-Split,Heat Pump(s)
Fireplaces:Insert,Non-Functioning,Wood,2 Fireplaces
Floor:Wood,Tile/Brick
Above Ground Sq Ft:3556
Below Ground Sq Ft:2205
Basement:Daylight,Full,Fully Finished,Heated,Improved,Interior Access,Outside Entrance,Rear Entrance,Walkout Level,Windows
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:2nd Kitchen, Attic, Bar, Bathroom - Soaking Tub, Bathroom - Stall Shower, Bathroom - Walk-In Shower, Breakfast Area, Ceiling Fan(s), Combination Dining/Living, Combination Kitchen/Dining, Combination Kitchen/Living, Curved Staircase, Dining Area, Efficiency, Family Room Off Kitchen, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Eat-In, Kitchen - Gourmet, Kitchen - Island, Pantry, Primary Bath(s), Recessed Lighting, Skylight(s), Stove - Wood, Upgraded Countertops, Window Treatments, Wood Floors
Water:Public

Exterior Features

Lot:Additional Lot(s),Not New Construction,Horse Property: No
Lot Dimensions:Derived of 5 lots total in the 3 acres. The house sits on 2 lots and the additional 3 lots are the remainder of the yard space.
Garage Capacity:12
Zoning:R
Roof:Copper,Rubber
Others:
  • ▪ Additional:Extensive Hardscape, Exterior Lighting, Fire Escape, Flood Lights, Gutter System
Sewer:Gravity Sept Fld,On Site Septic
Parking Features:Asphalt Driveway,Crushed Stone,Garage - Front Entry,Attached Garage,Driveway,Off Street,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$7,978
Taxes
$404
HOA
$540

Home Price

$1,499,000

Loan Details

30 yrs
7%

Down Payment

20%
$299,800
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:
$7,978.31

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $7,978.31 $403.92 $540.00 $8,922.22
Yearly $95,739.69 $4,847.00 $6,480.00 $107,066.69
Total $2,872,190.71 $145,410.00 $194,400.00 $3,212,000.71
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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.

IDX service by Blueroof 360

Data last updated: 2026-11-13T23:12:42.000Z

© 2026 Bright MLS