1022 Adobe Dr, Lusby, MD 20657 Property Records

Calvert County property record for 1022 Adobe Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 958 sqft · built 1971
Lot Size	0.718 acres (31,316 sqft)
Owner	Individual Name on Record
Last Sale	$186,000 (Dec 2017)
Tax Bill	$2,987 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-117408`

Property Details

APN / Parcel Number

Primary APN	`01-117408`
Alternative APNs	`1117408` `117408`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	958 sqft Total Area
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	31,316 sqft (0.718 acres)
Porch	Porch
Porch Area	296 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	117408
Street Address	1022 ADOBE DR
City	LUSBY
State	MD
Zip	20657-4506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 23R SEC 3R CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	23R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2022
Census Tract	861004

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1022 ADOBE DR, LUSBY, MD 20657-4506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 25, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Dec 19, 2017	Deed, Transfer · Conventional Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2017 · Amount on Record
Deed Sale	Dec 19, 2017 · Amount on Record
Prior Sale	Sep 27, 2016 · Amount on Record
Deed Book / Page	5116 / 53
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1022 ADOBE DR, LUSBY, MD 20657-4506
Transaction Type	Mortgage
Record Updated	Sep 15, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 ADOBE DR, LUSBY, MD 20657-4506

Mortgage

Document Number	0064770240
Date	Aug 31, 2023
Book Page	6477/240

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Feb 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1022 ADOBE DR, LUSBY, MD 20657-4506
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 ADOBE DR, LUSBY, MD 20657-4506

Mortgage

Document Number	0062270039
Date	Feb 25, 2022
Book Page	6227/39

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 19, 2017
Property Address	1022 ADOBE DR, LUSBY, MD 20657-4506
Document Number	0051160053
Book / Page	5116 / 053
Map Reference	MB KP3876 PG236
Instrument Date	Dec 6, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 ADOBE DR, LUSBY, MD 20657-4506

Mortgage

Document Number	0000511660
Date	Dec 19, 2017
Instrument	5116/60

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

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		$257,400 (+31.8%) Land $55,200 Building $202,200	$257,400 (+31.8%) Land $55,200 Building $202,200
2025	$2,987.00 (+47.22%)
2023	$2,029.00 Homeowner's exemption	$195,300 Land $55,200 Building $140,100	$195,300 Land $55,200 Building $140,100

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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