12237 Concho Ct, Lusby, MD 20657 Property Records

Calvert County property record for 12237 Concho Ct, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,225 sqft · built 1993
Lot Size	0.884 acres (38,535 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jun 2007)
Tax Bill	$2,633 (2023)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-089544`

Property Details

APN / Parcel Number

Primary APN	`01-089544`
Alternative APNs	`1089544` `089544`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,225 sqft Total Area
1st Floor Area	1,043 sqft
Basement Area	856 sqft
Finished Basement	856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	38,535 sqft (0.884 acres)
Garage Type	Detached
Garage Area	988 sqft
Parking Spaces	3 Parking Spaces
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	089544
Old Parcel Number	1089544
Street Address	12237 CONCHO CT
City	LUSBY
State	MD
Zip	20657-4819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 2RR SEC 2W CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES SEC 0
Legal Block	2W
Legal Lot Number	2RR
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3004
Census Tract	861004

Owner

Source: Calvert County assessment roll, as of July 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	12237 CONCHO CT, LUSBY, MD 20657-4819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 4, 2007 · Amount on Record
Deed Sale	Jun 4, 2007 · Amount on Record
Prior Sale	Jun 4, 2007 · Amount on Record
Deed Document Number	072767
Deed Book / Page	3000 / 283
Record Updated	Jun 7, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12237 CONCHO CT, LUSBY, MD 20657-4819
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12237 CONCHO CT, LUSBY, MD 20657-4819

Mortgage

Document Number	0058010531
Date	Dec 22, 2020
Book Page	5801/531

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$2,633.00 Homeowner's exemption	$253,500 Land $59,500 Building $194,000	$253,500 Land $59,500 Building $194,000

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

Flood

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	4 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1995 · tidal / storm surge

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

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

Wildfire Risk	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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 173 locations within half a mile, as of December 31, 2025

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

May also be available: IQ Fiber Intermediate Holdings.

Cell Coverage

5G (outdoors only) and 4G LTE

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