10971 Beach Dr, Lusby, MD 20657 Property Records

Calvert County property record for 10971 Beach Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,703 sqft · built 1950
Lot Size	0.517 acres (22,500 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2019)
Tax Bill	$3,897 (2025)
Deeds & Mortgages	May 2023 Line of Credit Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-035258`

Property Details

APN / Parcel Number

Primary APN	`01-035258`
Alternative APNs	`1035258` `035258`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,703 sqft Total Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,500 sqft (0.517 acres)
Garage Type	Mixed
Garage Area	952 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Deck Area	274 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	035258
Street Address	10971 BEACH DR
City	LUSBY
State	MD
Zip	20657-4637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 8R BLK H SEC 1 COVE POINT
Legal Subdivision	COVE POINT BEACH
Legal Block	H
Legal Lot Number	8R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1072
Census Tract	861100

Owner

10971 Beach Dr is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	10971 BEACH DR, LUSBY, MD 20657-4637
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
May 4, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 9, 2019	Grant Deed, Transfer · VA Mortgage BRANCH BK&TR
Dec 12, 2018	Grant Deed, Transfer SOUTHERN MARYLAND TITLE
Sep 25, 2018	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2019 · Amount on File
Deed Sale	Sep 9, 2019 · Amount on File
Prior Sale	Dec 12, 2018 · Amount on File
Deed Book / Page	5429 / 252
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	10971 BEACH DR, LUSBY, MD 20657-4637
Transaction Type	Mortgage
Record Updated	May 17, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10971 BEACH DR, LUSBY, MD 20657-4637

Mortgage

Document Number	0064290085
Date	May 4, 2023
Book Page	6429/85

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 3, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 9, 2019
Property Address	10971 BEACH DR, LUSBY, MD 20657-4637
Document Number	0054290252
Book / Page	005429 / 000252
Instrument Date	Aug 22, 2019
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10971 BEACH DR LUSBY MD 206574637, LUSBY, MD 20657-4637

Mortgage

Document Number	54290258
Date	Sep 9, 2019
Book Page	005429/000258

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 12, 2018
Property Address	10971 BEACH DR, LUSBY, MD 20657-4637
Document Number	0052920503
Book / Page	005292 / 000503
Instrument Date	Dec 7, 2018
Transaction Type	Transfer
Record Updated	Dec 27, 2018
Title Company	SOUTHERN MARYLAND TITLE

Transaction

Amount	Amount on Record
Tax	$95.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16450 PEAK RUN PL HUGHESVILLE MD 206372960, HUGHESVILLE, MD 20637-2960

September 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	CALVERT MD
Recording Date	Sep 25, 2018
Property Address	10971 BEACH DR, LUSBY, MD 20657-4637
Document Number	0052570409
Book / Page	005257 / 000409
Instrument Date	Sep 18, 2018
Transaction Type	Foreclosure
Record Updated	Oct 5, 2018

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4491 SE SWEETWOOD WAY STUART FL 349972257, STUART, FL 34997-2257

Tax Assessment & Valuation

The 2025 property tax bill for 10971 Beach Dr was $3,897.

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		$368,200 Land $111,300 Building $256,900	$368,200 Land $111,300 Building $256,900
2025	$3,897.00
2023	$2,966.00	$285,500 Land $111,300 Building $174,200	$285,500 Land $111,300 Building $174,200

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

Flood

FEMA maps place 10971 Beach 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 10971 Beach Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 75% of Maryland
Wildfire Likelihood	0.04% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Beach Dr

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