11015 Cedar Dr, Lusby, MD 20657 Property Records

Calvert County property record for 11015 Cedar Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,848 sqft · built 1948
Lot Size	0.251 acres (10,913 sqft)
Owner	2 Individual Names on File
Last Sale	$849,000 (Oct 2025)
Tax Bill	$4,981 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2025 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-034707`

Property Details

APN / Parcel Number

Primary APN	`01-034707`
Alternative APNs	`1034707` `034707`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,848 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Siding
Roof Material	Built-Up Asphalt
Lot Area	10,913 sqft (0.251 acres)
Porch	Porch
Porch Area	160 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	034707
Street Address	11015 CEDAR DR
City	LUSBY
State	MD
Zip	20657-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 6R BLK O COVE POINT
Legal Subdivision	COVE POINT
Legal Block	O
Legal Lot Number	6R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1079
Census Tract	861100

Owner

11015 Cedar Dr is owned by two individuals who bought it in October 2025.

Source: Calvert County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5415 DUVALL DR, BETHESDA, MD 20816-1871
Owner Type	Individual
Vesting	Tenants by the Entirety

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 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR NATIONAL BANK
Oct 22, 2025	Deed, Transfer HOME FIRST TITLE GROUP LLC
Jul 20, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jan 30, 2020	Loan Modification, Mortgage · Conventional Mortgage TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Prior Sale	Jul 20, 2022 · Amount on File
Deed Book / Page	6804 / 182
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11015 CEDAR DR, LUSBY, MD 20657-4604
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	HOME FIRST TITLE GROUP LLC, HOMEFIRST TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5415 DUVALL DR, BETHESDA, MD 20816-1871

Mortgage

Document Number	0068360478
Date	Dec 30, 2025
Book Page	6836/478

Lender

Name	SUPERIOR NATIONAL BANK
Type	Bank
Address	HANCOCK, MI 49930

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 22, 2025
Property Address	11015 CEDAR DR, LUSBY, MD 20657-4604
Document Number	0068040182
Book / Page	6804 / 182
Map Reference	LB 3220 FO 623
Instrument Date	Oct 17, 2025
Transaction Type	Transfer
Record Updated	Nov 13, 2025
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$4,245.00
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	5415 DUVALL DR, BETHESDA, MD 20816-1871

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 20, 2022
Property Address	11015 CEDAR DR, LUSBY, MD 20657-4604
Document Number	0063160129
Book / Page	6316 / 129
Map Reference	LB 3220 FO 613
Instrument Date	Jun 24, 2022
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	VELOCITY NATIONAL TITLE COMPANY, VELOCITY NATIONAL TTL CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,500.00
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	11015 CEDAR DR, LUSBY, MD 20657-4604

Mortgage

Document Number	0006316136
Date	Jul 20, 2022
Instrument	6316/136

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALVERT MD
Property Address	11015 CEDAR DR, LUSBY, MD 20657-4604
Document Number	0055310078
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11015 CEDAR DR LUSBY MD 206574604, LUSBY, MD 20657-4604

Mortgage

Document Number	0055310078
Date	Feb 14, 2020
Book Page	005531/000078

Lender

Name	TRUIST BK
Address	BALTIMORE, MD 21202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 11015 Cedar Dr was $4,981.

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	$4,981.00	$441,033	$489,300 Land $140,000 Building $349,300
2023	$3,579.00	$344,500 Land $133,600 Building $210,900	$344,500 Land $133,600 Building $210,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 11015 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 11015 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.

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