RedactedNarrative: A 26 foot Sea Ray inboard/outboard with 10 POB departed Annapolis harbor at dusk enroute south to the South River  (a 15 minute trip normally.)  Of the 10 POB, 6 were seated in the bow area.  The operator encountered heavy seas upon reaching the open waters of the Bay and the boat began shipping water.  Winds were from the south and seas were moderate to heavy.  As the boat filled, the operator ordered all into PFDs and discharged flares.  A good Samaritan picked up all 10 persons as the boat settled and subsequently capsized.  It was found by commercial recovery in the early morning and declared a total loss.  One passenger may have hit his head and complained of headaches.  He was scheduled for a medical examination later.  No charges were filed.
NameOfBodyOfWater: Tolley Pt Chesapeake Bay
NearestCityTown: Annapolis