12963 MILLS CREEK DRIVE, LUSBY, MD 20657

$597,000

Assumable financing. A new septic has passed a perk test and should be installed by Jan of 2026. Nestled in the prestigious Drum Point community, this exquisite A-Frame residence offers a harmonious blend of luxury and comfort, perfectly situated on a generous 0.56-acre lot. Inside you will find many extras;… Read More such as, electric blinds, ceiling fans, stainless steel appliances, lots of ceiling fans, and a first floor Master. The property boasts an impressive 129 feet of waterfront along 2 lots, including 2 piers, all situated on the serene Mill Creek, providing an idyllic backdrop for a lifestyle centered around nature and tranquility. As you approach the home, you are greeted by meticulously landscaped grounds that enhance the property's curb appeal. The exterior features include, elegant exterior lighting, and a well-designed gutter system, all contributing to the home's refined aesthetic. A spacious driveway leads to a front-entry garage, offering ample parking and additional storage space. Step outside to discover a private oasis designed for relaxation and entertainment. The expansive deck and patio areas invite you to unwind while soaking in the picturesque views of the creek and surrounding greenery. A charming gazebo and a greenhouse add to the allure, providing perfect spots for gardening enthusiasts or those seeking a peaceful retreat. The lot features a delightful mix of partly wooded areas and open spaces, creating a sense of privacy and seclusion. Enjoy the gentle sounds of the nearby creek, while fishing, or take advantage of the private access to the water for kayaking, canoeing, or simply enjoying a day on the water. The property also includes two private docks, ideal for boating enthusiasts looking to explore the waterways. Inside, the home is equally impressive, featuring a fully finished basement with a walkout, allowing for seamless indoor-outdoor living. The main living area is anchored by a cozy gas fireplace, perfect for gathering with loved ones on cooler evenings. With four spacious bedrooms and three and a half bathrooms, this residence offers ample space for relaxation and privacy. This exceptional property is not just a home; it's a lifestyle. Experience the perfect blend of luxury, nature, and comfort in this stunning Drum Point residence, where every day feels like a getaway. Embrace the tranquility of waterfront living while enjoying the convenience of nearby commuter lots and local amenities. Your dream home awaits! Read Less

Courtesy of Mike Sweeney, Taylor Properties, [email protected]

Listing Snapshot

Days Online

Last Updated

Dec 16, 2025

Property Type

Single Family Residential

Beds

Full Baths

Partial Baths

Square Ft.

2,082

Lot Size

0.56 Acres

Year Built

1987

MLS Number

MDCA2023674

30 Days Snapshot Of 20657

$399k

-10%

(avg) sold price

-28%

homes sold

-60%

(avg) days on market

Snapshot

Area Map

Additional Details

Basement

Heated, Daylight, Partial, Fully Finished, Improved, Outside Entrance, Rear Entrance, Walkout Level, Windows

Property Access

Road Responsibility: City/County, HOA, Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Private Access, Swimming Allowed

Appliances & Equipment

Negotiable

Building

2,082 sqft living area, 2,082 sqft above grade (finished), 506 sqft above grade (unfinished), 1,172 sqft below grade (unfinished), Built in 1987, Structure Type: Detached, 3 floors in unit, 3 levels in building, 3 levels, A-Frame, Advanced Framing, Batts Insulation, Blown-In Insulation, Frame, Stick Built, Vinyl Siding

Cooling

Central Air, Electric, Central A/C, Heat Pump(s), Ceiling Fan(s)

Accessibility Features

2+ Access Exits, 36+ wide Halls, Other

Exterior Features

Chimney Cap(s), Exterior Lighting, Flood Lights, Gutter System, Outbuilding(s)

Fence

Board

Fireplaces

1 fireplace, Gas/Propane, Insert, Mantel(s)

Foundation

Slab

Garage

2 garage spaces

Water Features

Navigable Water, Water Access, Water Body Name: Mill Creek, Water Body Type: Creek, Water Oriented, Waterfront Features: Y, Private Dock Site

Heating

Electric, Heat Pump - Electric BackUp

Home Owner's Association

HOA Fee: $165, Fee Freq: Annually

Lot

24,394 sqft, Lot Size Dimensions: 140' X 197', 0.56 acres, Additional Lot(s), Fishing Available, Landscaping, Partly Wooded, Private, Stream/Creek, Tidal Wetland

Property

Dock/Slip Conveys, 2 docks, Other Structures: Above Grade, Outdoor Living Structures: Deck(s), Patio(s), Porch(es), View: Creek/Stream, 1 boat slip

Roof

Architectural Shingle, Asphalt

Sewer

Gravity Sept Fld, On Site Septic

Taxes

Tax Annual Amount: $4,768, Tax Year: 2025

Utilities

Electric Service: 200+ Amp Service, Hot Water: 60+ Gallon Tank, Electric, Cable TV Available, Electric Available

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