12123 Monterey Ct, Lusby, MD 20657 Property Records

Calvert County property record for 12123 Monterey Ct, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 852 sqft · built 1992
Lot Size	0.253 acres (11,050 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Mar 2020)
Tax Bill	$766 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Mar 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`01-136755`

Property Details

APN / Parcel Number

Primary APN	`01-136755`
Alternative APNs	`1136755` `136755`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	852 sqft Total Area
Basement Area	852 sqft
Finished Basement	852 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,050 sqft (0.253 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	414 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	136755
Street Address	12123 MONTEREY CT
City	LUSBY
State	MD
Zip	20657-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 31 SEC 9-S CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	31
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2001
Census Tract	861004

Owner

12123 Monterey Ct is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
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
Mar 6, 2020	Deed of Trust, Mortgage · Line of Credit THE DEPARTMENT OF HOUSING & COMMUNITY DE
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Feb 21, 2020	Deed of Trust, Mortgage TOWNE BK
Mar 6, 2020	Correction Deed, Transfer LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC
May 14, 2018	Deed, Transfer · Stand-Alone First Mortgage HAMILTON GROUP FUNDING INC
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage SMITH HERITAGE LLC
Nov 20, 2017	Grant Deed, Transfer BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY
Aug 16, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	May 14, 2018 · Amount on File
Deed Book / Page	5541 / 318
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	LAKESIDE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055410345
Date	Mar 6, 2020
Book Page	5541/345

Lender

Name	THE DEPARTMENT OF HOUSING & COMMUNITY DE
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12123 MONTEREY CT, LUSBY, MD 20657-3634

Mortgage

Document Number	0062390349
Date	Mar 15, 2022
Book Page	6239/349

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
Document Number	0055410326
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	12123 MONTEREY CT LUSBY MD 206573634, LUSBY, MD 20657-3634

Mortgage

Document Number	0055410326
Date	Mar 6, 2020
Book Page	005541/000326

Lender

Name	TOWNE BK
Type	Bank
Address	VIRGINIA BEACH, VA 23451

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2050

March 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 6, 2020
Property Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
Document Number	0055410318
Book / Page	005541 / 000318
Instrument Date	Feb 21, 2020
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	12123 MONTEREY CT LUSBY MD 206573634, LUSBY, MD 20657-3634

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 14, 2018
Property Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
Document Number	0051870266
Book / Page	5187 / 266
Map Reference	MB1 PL86
Instrument Date	May 2, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND TRUST TITLE & ESCRO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.75
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	PO BOX 1331, PRINCE FREDERICK, MD 20678-1331

Mortgage

Document Number	0005187274
Date	May 14, 2018
Instrument	5187/274

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
Document Number	0051150259
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3138 N 1250 W PLEASANT VIEW UT 844141665, PLEASANT VIEW, UT 84414-1665
Investor	Possibly a Property Investor

Mortgage

Document Number	0051150259
Date	Dec 18, 2017
Book Page	005115/000259

Lender

Name	SMITH HERITAGE LLC
Address	4392 W 1350 S, SYRACUSE, UT 84075-7153

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 20, 2017
Property Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
Document Number	0051010344
Book / Page	005101 / 000344
Instrument Date	Sep 14, 2017
Transaction Type	Transfer
Record Updated	Dec 11, 2017
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$122.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3138 N 1250 W PLEASANT VIEW UT 844141665, PLEASANT VIEW, UT 84414-1665
Investor	Possibly a Property Investor

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 16, 2017
Property Address	12123 MONTEREY CT, LUSBY, MD 20657-3634
Document Number	0050460252
Book / Page	005046 / 000252
Instrument Date	May 23, 2017
Transaction Type	Foreclosure
Record Updated	Sep 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$121.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 12123 Monterey Ct was $766 with a homeowner's exemption.

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		$285,900 Land $55,200 Building $230,700	$285,900 Land $55,200 Building $230,700
2025	$766.00
2023	$2,232.00	$214,900 Land $55,200 Building $159,700	$214,900 Land $55,200 Building $159,700

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

Flood

FEMA maps place 12123 Monterey Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2010–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2014

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 12123 Monterey Ct is moderate, ranking above 44% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 84% of Maryland
Wildfire Likelihood	0.05% 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 205 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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