For Sale130d on market
779 Spruce Dr
Lusby, MD, 20657 • 20657 • Calvert County
$499,999
$243/sqft
Down payment assistance available
3Beds
3Baths
2,060Sqft
0.94 acLot
1985Built
Property DNA
On the St John Creek
Direct water access
Scenic Views
Water · Creek/Stream
Contemporary Style
Built 1985 · 41 years of history
White Sands
20657
Outdoor Living
Deck
1 Fireplace
Wood Burning Stove
Special Features
Above Grade · Below Grade
This home is getting attention
Listed 130 days ago · 2,007 views · 78 saves
Market activity
Demand and pricing signals for this listing
2,007 views
People checking out this listing
78 saves
Buyers have saved this home
130 days on market
Established listing
$243/sqft
Price per square foot
About this home
Single Family · Built 1985
*Sale fell through as buyer got cold feet - their loss is your gain!* Start your New Year with a showing of this waterfront home that is priced under $500,000! Discover the perfect blend of waterfront living and peaceful privacy in this 3-bedroom, 3-bath home with endless potential. Nestled on nearly an acre lot with mature trees, this property offers direct water access and a newer pier with pylons already in place—ready for you to add your ideal boat lift. A gently graded path wide enough for a golf cart or 4-wheeler makes getting to the water effortless. Inside, you’ll find beautiful hardwood floors, spacious bedrooms, and a layout ready for your updates and personal touch. The primary bedroom and living room have beautiful high vaulted ceilings that give a luxury feel to this private wooded waterfront sanctuary. The basement offers a beautiful wood burning stove that opens up to space for entertaining. Whether you’re looking to modernize or simply refresh, this home offers an incredible opportunity to create the waterfront retreat you’ve been dreaming of. Step outside to a large back deck perfect for morning coffee, evening sunsets, and hosting friends. With ample wooded privacy and room to relax, this outdoor living space is truly a highlight. Bring your vision and unlock the full potential of this exceptional waterfront property—your dream home on the water awaits!
Estimated monthly payment
Based on current rates
$3,100/month
Principal & Interest$2,413
Property Tax$500
Insurance$167
HOA$20
Down payment20% ($100,000)
3%50%
Est. 6.06% rate · 30yr fixed · $399,999 loan
Full calculator →At a glance
Key facts and listing details
TypeSingle Family Residence
Year Built1985
HeatingHeat Pump, Wood Stove, Electric
CoolingHeat Pump, Electric
ParkingOpen Parking
HOA$20 monthly
Lot0.94 Acres
Days on Zillow130 Days
Price/sqft$243
Property
Home typeSingle Family
Sub-typeSingle Family Residence
StyleContemporary
Year built1985
Stories3
Systems
HeatingHeat Pump, Wood Stove, Electric
CoolingHeat Pump, Electric
RoofAsphalt
ConstructionCedar
Water / SewerWell / Septic Exists
Parking & Outdoor
ParkingDriveway
BasementExterior Entry,Connecting Stairway,Full,Heated,Partially Finished,Rear Entrance
Fireplaces1
Lot0.94 Acres
Location & Tax
Neighborhood20657
ZoningR
Annual tax$5,590
Parcel01184148
Bathrooms & Fees
Full baths3
HOA$20/mo
Features & details
14 categories of property features
Interior Features
Interior
Attic
2nd Kitchen
Breakfast Area
Combination Dining/Living
Primary Bath(s)
Open Floorplan
Cathedral Ceiling(s)
Dry Wall
Appliances
Dishwasher
Dryer
Range Hood
Refrigerator
Cooktop
Washer
Electric Water Heater
Heating
Heat Pump
Wood Stove
Electric
Cooling
Heat Pump
Electric
Fireplace
Wood Burning Stove
Accessibility
None
Exterior Features
Parking
Driveway
Construction
Cedar
Patio & Porch
Deck
Lot Features
No Thru Street
Wooded
Private
Security
Smoke Detector(s)
Views
Water
Creek/Stream
Pool Features
None
Other Structures
Above Grade
Below Grade
Room details
17 rooms detailed
Primary Bedroom
UnspecifiedBedroom1
MainBedroom2
LowerBedroom4
UnspecifiedBedroom5
UnspecifiedBasement
UnspecifiedListing insights
Market data and value estimates
StatusFor Sale
Days on market130
Est. value$501,200
Est. rent$2,589/mo
Tax rate0.78%
Price/sqft$243
On marketNov 30, 2025
PostedNov 30, 2025
MLS updatedFeb 21, 2026
Tour days9
Views2,007
Favorites78
How are the schools in Lusby?
3 schools rated nearby
Location
Lusby, MD, 20657
Price history
10 events
DateEventPrice$/sqftSource
Feb 20, 2026Listed For Sale$499,999$243Bright MLS
Jan 23, 2026Contingent$499,999$243Bright MLS
Jan 1, 2026Price Change$499,999$243Bright MLS
Dec 24, 2025Price Change$500,000$243Bright MLS
Dec 1, 2025Listed For Sale$549,000$267Bright MLS
Nov 24, 2025Listing Removed——Owner
Nov 5, 2025Price Change$575,000$279Owner
Aug 25, 2025Listed For Sale$625,000$303Owner
Oct 14, 2012Listing Removed$540,000$262O'Brien Realty
Jun 16, 2012Listed For Sale$540,000$262O'Brien Realty - California
Listed For Sale$499,999
Feb 20, 2026•$243/sqft•Bright MLS
Contingent$499,999
Jan 23, 2026•$243/sqft•Bright MLS
Price Change$499,999
Jan 1, 2026•$243/sqft•Bright MLS
Price Change$500,000
Dec 24, 2025•$243/sqft•Bright MLS
Listed For Sale$549,000
Dec 1, 2025•$267/sqft•Bright MLS
Listing Removed—
Nov 24, 2025•Owner
Price Change$575,000
Nov 5, 2025•$279/sqft•Owner
Listed For Sale$625,000
Aug 25, 2025•$303/sqft•Owner
Listing Removed$540,000
Oct 14, 2012•$262/sqft•O'Brien Realty
Listed For Sale$540,000
Jun 16, 2012•$262/sqft•O'Brien Realty - California
Tax history
25 years of records
YearTax paidAssessed value
Apr 9, 2025$5,180$480,033
Apr 9, 2024$4,946$458,367
Apr 9, 2023$4,537$436,700
Apr 9, 2022$4,492$436,700
Apr 9, 2021$4,446$427,900
Apr 9, 2020$4,421$423,500
Apr 9, 2019$4,389$423,500
Apr 9, 2018$4,335$413,233
Apr 9, 2017$4,342$408,100
Apr 9, 2016$5,638$407,133
Apr 9, 2015$5,638$406,167
Apr 9, 2014$5,638$405,200
Apr 9, 2013—$405,200
Apr 9, 2012—$405,200
Apr 9, 2011—$543,710
Apr 9, 2010—$543,710
Apr 9, 2009—$543,710
Apr 9, 2008—$545,220
Apr 9, 2007—$459,096
Apr 9, 2006—$372,973
Apr 9, 2005—$286,850
Apr 9, 2004—$275,126
Apr 9, 2003—$263,403
Apr 9, 2002—$251,680
Apr 9, 2001—$249,550
Nearby homes
Neighborhood details
Local context around this listing
Lusby, MD • Calvert County
Nearby cities
Broomes IslandChesapeake BeachDunkirkHuntingtownLusbyOwingsPort RepublicPrince Frederick
Nearby zip codes
2062920657
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