12331 Algonquin Trl, Lusby, MD 20657 Property Records

Calvert County property record for 12331 Algonquin Trl, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,438 sqft · built 2006
Lot Size	0.211 acres (9,189 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jun 2017)
Tax Bill	$4,414 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-130153`

Property Details

APN / Parcel Number

Primary APN	`01-130153`
Alternative APNs	`1130153` `130153`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,438 sqft Total Area
Basement Area	867 sqft
Finished Basement	867 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,189 sqft (0.211 acres)
Garage Type	Built-in
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Deck Area	228 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	130153
Street Address	12331 ALGONQUIN TRL
City	LUSBY
State	MD
Zip	20657-3532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 88R SEC 4-R CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	88R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2002
Census Tract	861004

Owner

12331 Algonquin Trl is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	12331 ALGONQUIN TRL, LUSBY, MD 20657-3532
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
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 9, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 29, 2017	Grant Deed, Transfer · Conventional Mortgage FIRST MARINER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2017 · Amount on File
Deed Sale	Jun 29, 2017 · Amount on File
Prior Sale	Dec 27, 2011 · Amount on File
Deed Book / Page	5022 / 410
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12331 ALGONQUIN TRL, LUSBY, MD 20657-3532
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12331 ALGONQUIN TRL, LUSBY, MD 20657-3532

Mortgage

Document Number	0058180117
Date	Jan 8, 2021
Book Page	5818/117

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Nov 1, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12331 ALGONQUIN TRL, LUSBY, MD 20657-3532
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054500592
Date	Oct 9, 2019
Book Page	5450/592

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 29, 2017
Property Address	12331 ALGONQUIN TRL, LUSBY, MD 20657-3532
Document Number	0050220409
Book / Page	005022 / 000409
Instrument Date	Jun 22, 2017
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	LEGENDS TITLE GROUP LLC, LEGENDS TITLE GRP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	440 CROSS CREEK DR HUNTINGTOWN MD 206393024, HUNTINGTOWN, MD 20639-3024

Mortgage

Document Number	50220417
Date	Jun 29, 2017
Book Page	005022/000417

Lender

Name	FIRST MARINER BK
Type	Bank
Address	BALTIMORE, MD 21224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 12331 Algonquin Trl was $4,414.

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		$402,100 Land $55,200 Building $346,900	$402,100 Land $55,200 Building $346,900
2025	$4,414.00
2023	$3,132.00	$301,500 Land $55,200 Building $246,300	$301,500 Land $55,200 Building $246,300

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

Flood

FEMA maps place 12331 Algonquin Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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	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 12331 Algonquin Trl is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 86% of Maryland
Wildfire Likelihood	0.08% 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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