10970 Cedar Dr, Lusby, MD 20657 Property Records

Calvert County property record for 10970 Cedar Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 960 sqft · built 1974
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Dec 2021)
Tax Bill	$3,134 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-035584`

Property Details

APN / Parcel Number

Primary APN	`01-035584`
Alternative APNs	`1035584` `035584`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	960 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Porch	Porch
Porch Area	192 sqft
Deck Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	035584
Street Address	10970 CEDAR DR
City	LUSBY
State	MD
Zip	20657-4630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LTS 29 & 30 BLK V SEC 3 COVE POINT
Legal Subdivision	COVE POINT BEACH
Legal Block	V
Legal Lot Number	29,30
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1072
Census Tract	861100

Owner

10970 Cedar Dr is owned by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	7757 PATUXENT DR, SAINT LEONARD, MD 20685-2007
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
Dec 7, 2021	Re-recorded Document · Conventional Mortgage FIRST HOME MORTGAGE CORP
Aug 24, 2021	Deed, Transfer · Conventional Mortgage LINDA HERDEMAN
Jun 20, 2018	Grant Deed, Transfer BRENNAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2021 · Amount on File
Deed Sale	Dec 7, 2021 · Amount on File
Prior Sale	Aug 24, 2021 · Amount on File
Deed Book / Page	6164 / 164
Prior Transfer Date	Jul 27, 2021
Prior Transfer Doc	0061640164
Record Updated	Sep 20, 2026

December 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	CALVERT MD
Recording Date	Dec 7, 2021
Property Address	10970 CEDAR DR, LUSBY, MD 20657-4630
Document Number	0061640164
Book / Page	6164 / 164
Map Reference	MB AAH 1 PL 85
Instrument Date	Jul 27, 2021
Record Updated	Aug 16, 2023
Title Company	VELOCITY NATIONAL TTL CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7757 PATUXENT DR, SAINT LEONARD, MD 20685-2007

Mortgage

Document Number	0061640173
Date	Dec 7, 2021
Book Page	6164/173

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 24, 2021
Property Address	10970 CEDAR DR, LUSBY, MD 20657-4630
Document Number	0060580448
Book / Page	6058 / 448
Map Reference	MB AAH 1 PL 85
Instrument Date	Jul 27, 2021
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	VELOCITY NATIONAL TITLE COMPANY, VELOCITY NATIONAL TTL CO LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
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 by the Entirety
Address	7757 PATUXENT DR, SAINT LEONARD, MD 20685-2007

Mortgage

Document Number	0006058456
Date	Aug 24, 2021
Instrument	6058/456

Lender

Name	LINDA HERDEMAN
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	25 Months
Due	Sep 1, 2023

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 20, 2018
Property Address	10970 CEDAR DR, LUSBY, MD 20657-4630
Document Number	0052080085
Book / Page	005208 / 000085
Instrument Date	May 24, 2018
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	BRENNAN TITLE

Transaction

Amount	Amount on Record
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10970 CEDAR DR LUSBY MD 206574630, LUSBY, MD 20657-4630

Tax Assessment & Valuation

The 2025 property tax bill for 10970 Cedar Dr was $3,134.

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		$299,300 Land $108,100 Building $191,200	$299,300 Land $108,100 Building $191,200
2025	$3,134.00
2023	$2,192.00 (+1.01%)	$211,000 (+1.02%) Land $108,100 Building $102,900	$211,000 (-) Land $108,100 Building $102,900
2022	$2,170.00	$208,867	$211,000 Land $108,100 Building $102,900

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

Flood

FEMA maps place 10970 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	4.0 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	Hurricane Isabel, Sep 2003 · 7 claims

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 10970 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.

Internet Providers

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.

Nearby Properties on Cedar Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures