Calvert County property record for 115 Cross Rd, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,056 sqft · built 1988 |
| Lot Size | 0.437 acres (19,040 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $102,000 (Mar 1997) |
| Tax Bill | $2,428 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-058304 |
| Primary APN | 01-058304 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Total Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 19,040 sqft (0.437 acres) |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 058304 |
|---|---|
| Street Address | 115 CROSS RD |
| City | LUSBY |
| State | MD |
| Zip | 20657-2034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT 21 BLK 23 PLAT 11 WHITE SANDS |
| Legal Subdivision | WHITE SANDS |
| Legal Block | 23 |
| Legal Lot Number | 21 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 860902 |
115 Cross Rd is owned and occupied by two individuals who bought it in March 1997.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 CROSS RD, LUSBY, MD 20657-2034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 1997 · Amount on File |
| Deed Sale | Mar 6, 1997 · Amount on File |
| Prior Sale | Jun 4, 1992 · Amount on File |
| Deed Document Number | 19972329 |
| Deed Book / Page | 934 / 156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 115 CROSS RD, LUSBY, MD 20657-2034 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 115 CROSS RD, LUSBY, MD 20657-2034 |
| Document Number | 0062260247 |
|---|---|
| Date | Feb 24, 2022 |
| Book Page | 6226/247 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
The 2025 property tax bill for 115 Cross Rd was $2,428.
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 | $221,100 Land $70,000 Building $151,100 | $221,100 Land $70,000 Building $151,100 | |
| 2025 | $2,428.00 | ||
| 2023 | $1,778.00 | $171,200 Land $70,000 Building $101,200 | $171,200 Land $70,000 Building $101,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Cross Rd in Zone X, an area of minimal flood risk.
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 | 5 in force |
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 115 Cross Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 89% of Maryland |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 140 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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