1002 Side Saddle Trl, Lusby, MD 20657 Property Records

Calvert County property record for 1002 Side Saddle Trl, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,050 sqft · built 1989
Lot Size	0.238 acres (10,386 sqft)
Owner	2 Individual Names on File
Last Sale	$349,900 (Jul 2023)
Tax Bill	$3,300 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-142887`

Property Details

APN / Parcel Number

Primary APN	`01-142887`
Alternative APNs	`1142887` `142887`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,050 sqft Total Area
Basement Area	860 sqft
Finished Basement	860 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,386 sqft (0.238 acres)
Deck Area	484 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	142887
Street Address	1002 SIDE SADDLE TRL
City	LUSBY
State	MD
Zip	20657-3610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 7R SEC V CHES RANCH ESTS
Legal Subdivision	CHES RANCH ESTATES
Legal Lot Number	7R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2001
Census Tract	861004

Owner

1002 Side Saddle Trl is owned and occupied by two individuals who bought it in July 2023.

Source: Calvert County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1002 SIDE SADDLE TRL, LUSBY, MD 20657-3610
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC
Feb 7, 2023	Deed, Transfer · Commercial Mortgage NAVIGATOR PRIVATE CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on File
Deed Sale	Jul 17, 2023 · Amount on File
Prior Sale	Feb 7, 2023 · Amount on File
Deed Book / Page	6459 / 283
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 17, 2023
Property Address	1002 SIDE SADDLE TRL, LUSBY, MD 20657-3610
Document Number	0064590283
Book / Page	6459 / 283
Map Reference	MB ABE 856 PG 606
Instrument Date	Jul 10, 2023
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1002 SIDE SADDLE TRL, LUSBY, MD 20657-3610

Mortgage

Document Number	0006459290
Date	Jul 17, 2023
Instrument	6459/290

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 7, 2023
Property Address	1002 SIDE SADDLE TRL, LUSBY, MD 20657-3610
Document Number	0063980287
Book / Page	6398 / 287
Map Reference	MB ABE 856 PG 606
Instrument Date	Jan 31, 2023
Transaction Type	Transfer
Record Updated	Feb 22, 2023
Title Company	NOT AVAILABLE, BRENNAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	5290 CELESTIAL LN, WALDORF, MD 20601-4315

Mortgage

Document Number	0006398292
Date	Feb 7, 2023
Instrument	6398/292

Lender

Name	NAVIGATOR PRIVATE CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1002 Side Saddle Trl was $3,300.

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$289,700 Land $55,200 Building $234,500	$289,700 Land $55,200 Building $234,500
2025	$3,300.00
2023	$2,251.00 (+2.64%)	$216,700 (+2.64%) Land $55,200 Building $161,500	$216,700 (-) Land $55,200 Building $161,500
2022	$2,193.00	$211,133	$216,700 Land $55,200 Building $161,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1002 Side Saddle Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2010–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2014

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1002 Side Saddle Trl is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 84% of Maryland
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHESAPEAKE RANCH ESTATES private · serves 9,500 people · EPA ID MD0040004
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Side Saddle Trl

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