11961 Pine Trl, Lusby, MD 20657 Property Records

Calvert County property record for 11961 Pine Trl, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,008 sqft · built 1975
Lot Size	0.351 acres (15,290 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Aug 2017)
Tax Bill	$3,452 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-125575`

Property Details

APN / Parcel Number

Primary APN	`01-125575`
Alternative APNs	`1125575` `125575`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,008 sqft Total Area
Basement Area	856 sqft
Finished Basement	856 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,290 sqft (0.351 acres)
Deck Area	768 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	125575
Street Address	11961 PINE TRL
City	LUSBY
State	MD
Zip	20657-2555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 11 SEC 2F CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	11
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3013
Census Tract	861003

Owner

11961 Pine Trl is owned and occupied by an individual who bought it in August 2017.

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	Individual Name on File
Mailing Address	11961 PINE TRL, LUSBY, MD 20657-2555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · USDA Mortgage FIRST HOME MORTGAGE CORP
Aug 9, 2017	Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2017 · Amount on File
Deed Sale	Aug 9, 2017 · Amount on File
Prior Sale	Feb 8, 2016 · Amount on File
Deed Book / Page	5043 / 72
Transfer Doc	0000970103
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11961 PINE TRL, LUSBY, MD 20657-2555
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	VELOCITY NATIONAL TITLE COMPANY, VELOCITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059310429
Date	Apr 14, 2021
Book Page	5931/429

Lender

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

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 9, 2017
Property Address	11961 PINE TRL, LUSBY, MD 20657-2555
Document Number	0050430072
Book / Page	5043 / 072
Map Reference	MB JLB1 PG48
Instrument Date	Aug 4, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11961 PINE TRL, LUSBY, MD 20657-2555

Mortgage

Document Number	0000504377
Date	Aug 9, 2017
Instrument	5043/77

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 11961 Pine Trl was $3,452.

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		$305,500 Land $55,200 Building $250,300	$305,500 Land $55,200 Building $250,300
2025	$3,452.00
2023	$2,361.00	$227,300 Land $55,200 Building $172,100	$227,300 Land $55,200 Building $172,100

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

Flood

FEMA maps place 11961 Pine Trl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1991.

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	3 in force
Nearby Flood Claims	3 (1991–2003)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 11961 Pine Trl is moderate, ranking above 48% 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 48% of the US · above 87% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHESAPEAKE RANCH ESTATES private · serves 9,500 people · EPA ID MD0040004
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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