1003 Adobe Dr, Lusby, MD 20657 Property Records

Calvert County property record for 1003 Adobe Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,834 sqft · built 1994
Lot Size	0.229 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Nov 2004)
Tax Bill	$3,501 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-120204`

Property Details

APN / Parcel Number

Primary APN	`01-120204`
Alternative APNs	`1120204` `120204`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,834 sqft Total Area
Basement Area	775 sqft
Finished Basement	775 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,001 sqft (0.229 acres)
Garage Type	Basement
Garage Area	783 sqft
Porch	Slab
Porch Area	185 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	120204
Street Address	1003 ADOBE DR
City	LUSBY
State	MD
Zip	20657-4527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 48 SEC 3-R CHES RANCH ESTS
Legal Subdivision	CHESAPK RAN ES
Legal Lot Number	48
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2028
Census Tract	861004

Owner

Source: Calvert County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1003 ADOBE DR, LUSBY, MD 20657-4527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYS FEDERAL CREDIT UNION
Mar 8, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2004 · Amount on Record
Deed Sale	Nov 9, 2004 · Amount on Record
Prior Sale	Jun 4, 1996 · Amount on Record
Deed Document Number	200451573
Deed Book / Page	2332 / 602
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	Jun 17, 2026
Property Address	1003 ADOBE DR, LUSBY, MD 20657-4527
Document Number	6920000294
Book / Page	6920 / 294
Instrument Date	Jun 10, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1003 ADOBE DR, LUSBY, MD 20657-4527

Mortgage

Document Number	6920000294,
Date	Jun 17, 2026
Book Page	6920/294

Lender

Name	EDUCATIONAL SYS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1003 ADOBE DR, LUSBY, MD 20657-4527
Transaction Type	Mortgage
Record Updated	Apr 19, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 ADOBE DR, LUSBY, MD 20657-4527

Mortgage

Document Number	0065440051
Date	Mar 8, 2024
Book Page	6544/51

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$3,501.00 (+43.6%) Homeowner's exemption	$289,500 (+23.35%)	$316,900 (+35.02%) Land $55,200 Building $261,700
2023	$2,438.00 Homeowner's exemption	$234,700 Land $55,200 Building $179,500	$234,700 Land $55,200 Building $179,500

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

Flood

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

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

Wildfire Risk	Moderate above 43% of the US · above 83% of Maryland
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: IQ Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Adobe Dr

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