Calvert County property record for 10945 Cedar Dr, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 252 sqft · built 1940 |
| Lot Size | 0.396 acres (17,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,100 (Aug 2016) |
| Tax Bill | $1,823 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 01-034995 |
| Primary APN | 01-034995 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 252 sqft Total Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 17,250 sqft (0.396 acres) |
| Porch | Porch |
| Porch Area | 360 sqft |
| Heating System | Space Heater |
|---|---|
| Sewer | Connected |
| Account Number | 034995 |
|---|---|
| Street Address | 10945 CEDAR DR |
| City | LUSBY |
| State | MD |
| Zip | 20657-4631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LTS 18 & 19 BLK Q SE COVE POINT |
| Legal Subdivision | COVE POINT BEACH |
| Legal Block | Q |
| Legal Lot Number | 18,19 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 861100 |
10945 Cedar Dr is owned by an individual who bought it in August 2016.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 429 CARDINAL DR, FRONT ROYAL, VA 22630-5925 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2016 · Amount on File |
| Deed Sale | Aug 17, 2016 · Amount on File |
| Deed Book / Page | 4824 / 80 |
| Prior Transfer Date | May 18, 2012 |
| Prior Transfer Doc | 0039390360 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 10945 Cedar Dr was $1,823.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $152,800 (+3.01%) Land $111,900 Building $40,900 | $152,800 (-) Land $111,900 Building $40,900 | |
| 2025 | $1,823.00 | $148,333 | $152,800 Land $111,900 Building $40,900 |
| 2023 | $1,448.00 | $139,400 Land $111,900 Building $27,500 | $139,400 Land $111,900 Building $27,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10945 Cedar Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 122 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 122 in force |
| Nearby Flood Claims | 17 (2003–2025) |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 10945 Cedar Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 71% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% 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.
Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures