Welcome to 12774 Rio Grande Trail in Lusby! This recently updated 2-bedroom, 1-bath home offers a fantastic opportunity to own a move-in-ready property in the desirable Chesapeake Ranch Estates community. Step inside to discover a refreshed interior with updated finishes, a clean modern feel, and a comfortable layout that makes excellent use of the home's approximately 882 square feet. Outside, the property sits on approximately 0.25 acres, providing space to enjoy the outdoors, entertain, garden, or simply relax. The home's location offers convenient access to local shopping, dining, parks, recreation, and the Chesapeake Bay area. Whether you're a first-time buyer, downsizing, looking for an investment property, or searching for a weekend getaway, this beautifully refreshed Lusby home is worth a look. Recent updates + great location + move-in-ready condition = an opportunity you won't want to miss! Approved for USDA Loan Program which offer 100% financing, competitive interest rates, and no private mortgage insurance requirement for eligible homebuyers. Schedule your showing today!
Chesapeak Ranch Estates, located between the Patuxent River and the Chesapeake Bay, is a waterfront and wooded Chesapeake Ranch Estates neighborhood with private lake access and a marina-oriented layout. The neighborhood’s character concentrates around the Chesapeake Ranch Estates Town Center area along H.G. Trueman Road, where everyday errands meet a low-key, coastal rhythm. Housing leans toward mid-century and late-20th-century single-family homes and cabins, many set back under tall trees on curving roads. Community life often revolves around the lakes, small beaches, and boat ramps rather than a traditional main street. The Cove Point Lighthouse and the Calvert Marine Museum anchor local culture with maritime history and bayfront views. Nearby, Drum Point Market adds a classic waterside stop for local seafood and dockside chatter.
Provided by Walk Score and Local Logic
Market insights
12774 Rio Grande Trl · $225,000
DAYS ON MARKET
1 days
The average home goes pending in 48 days.
SALE-TO-LIST
99.5%
Most homes are selling 1% below list price.
LIST PRICE
$225,000
Median sale price in this area is $508,332. (126% higher than this home)
PRICE DROP
0 price drops
20% of homes in this area have had a price drop in the past month.
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Living
Interior features
Tile/brick flooring
One fireplace
Bedrooms
Two bedrooms on the main level
Bathrooms
One full bathroom (main level)
Laundry & utility
Laundry on the main floor
Flooring
Tile/brick
Heating & cooling
Wall unit heating
Wall unit cooling
Electric hot water
Exterior features
Private beach
Water access to a bay (canoe/kayak, fishing, swimming allowed)
Navigable water
Home design
Detached property
Fee simple ownership
Excellent condition
No stairs (accessibility feature)
Parking
Driveway
Construction
Brick construction
Asphalt roof
Slab foundation
Built year: estimated
Utilities
Public water
Private septic tank
Electric heating/cooling and hot water
HOA & community
Annual HOA fee of $600
Community amenities include beach, pier/dock, boat ramp, lake, water/lake privileges, clubhouse, picnic area, baseball field, basketball courts, and golf course membership available
Other
No pet restrictions (pets allowed)
Ground rent paid annually
Electricity and solar
View estimated energy costs and solar savings for this home
This is a charming 2 bedroom 1 bathroom MOVE IN READY Rambler at $150,000. Most other homes in this range are foreclosures that need a ton of work. This beauty you can move right into and enjoy the large flat yard, storage shed, open kitchen , decent sized bedrooms, and tiled shower. It's is a solidly built brick home that isn't going anywhere. .. it's going to last! You are walking distance to the beach and the club house for community events. You are also a short distance to the lake where people love to fish and swim. You have almost 900 square feet with a nice open floor plan and all appliances, including the washer and dryer, convey with the house. Perfect starter home or someone looking to downsize to one level living!
BRIGHT MLS #MDCA170294
Aug 23, 2019
Listing Removed
—
Jun 27, 2019
Price Changed
$125,000
$142/sq ft
Jun 17, 2019
Listed
$130,000
$147/sq ft
Public Records
Jun 24, 1998
Sold
$60,400
$68/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$2,272 (+7.1%)
$55,200 + $128,400
$183,600
2024
$2,121 (+29.3%)
2023
$1,640 (−9.9%)
2022
$1,819 (+5.5%)
$55,200 + $87,800
$143,000
2021
$1,724 (+5.5%)
2020
$1,634 (−0.2%)
2019
$1,637 (+2.4%)
$55,200 + $61,100
$116,300
2018
$1,599 (−0.9%)
$55,200 + $61,100
$116,300
2017
$1,613 (+4.0%)
$55,200 + $61,100
$116,300
2015
$1,551
$55,200 + $62,600
$117,800
2014
$1,550 (+0.1%)
$55,200 + $62,600
$117,800
2013
$1,548 (+56.0%)
2012
$992 (−31.5%)
2011
$1,449
2010
$1,449 (+61.4%)
2009
$898
Public record
Public record
Zoning
Beds
—
Baths
1
Stories
1
Lot width
—
Lot depth
—
Lot size
0.3 Acres
Year renovated
—
Finished Sq. Ft.
882
Unfinished Sq. Ft.
—
Total Sq. Ft.
882
Year built
1963
Style
Single Family Residential
County
Calvert County
APN
01 164821
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 18, 2026.
RC
Rural Commercial District
The Rural Commercial District RC is intended to support existing commercial enterprises located outside Town Centers. Numerous commercial uses exist in scattered locations along roadways, in many cases in locations that have been commercial for decades. Many of them are owned and managed by local citizens who provide valuable services to the community. At the same time, many of these sites have substantial redevelopment and expansion potential, which can attract commercial uses away from the Town Centers. The intent is to keep development within this district small in scale and rural in character, and limit uses to those serving the immediate neighborhood with convenience goods and services with attractive and appropriate design.
Permitted uses
Include but are not limited to:
Religious facility
Laundromat
Restaurant
Public service
Library
Museum / gallery
Death related/funeral home
Communications tower
Veterinary clinic
Cemetery
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
9/10 Heat Factor
7 days above 101° expected this year, 17 days in 30 years
7/10 Wind Factor
79% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Lusby, MD • 20657
Average low and high temperatures (°F)
40
27
45
31
61
42
70
51
74
58
85
68
89
74
81
67
78
65
69
52
60
44
46
32
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.4 hours in
June and 4.9 hours in December, which is comparable to the
U.S. average for solar exposure.
9.4 hrs
4.9 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 12774 Rio Grande Trl
$227,451
$2,451 over list price of $225K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $239K to $320K.