12504 Algonquin Trl, Lusby, MD 20657 Property Records

Calvert County property record for 12504 Algonquin Trl, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1 ba · 976 sqft · built 1990
Lot Size	0.223 acres (9,712 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Feb 2026)
Tax Bill	$3,102 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-136569`

Property Details

APN / Parcel Number

Primary APN	`01-136569`
Alternative APNs	`1136569` `136569`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	976 sqft Total Area
Basement Area	456 sqft
Finished Basement	456 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,712 sqft (0.223 acres)
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	136569
Street Address	12504 ALGONQUIN TRL
City	LUSBY
State	MD
Zip	20657-3517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 67 SEC 5-R CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	67
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2002
Census Tract	861004

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 10, 2024	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Feb 12, 2026	Deed, Transfer · FHA Mortgage NEXA MORTGAGE LLC
Oct 9, 2025	Intrafamily Transfer, Transfer
Jan 5, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Dec 30, 2013 · Amount on Record
Deed Book / Page	6853 / 455
Prior Transfer Date	Jan 4, 2024
Prior Transfer Doc	0065210154
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060570194
Date	Aug 23, 2021
Book Page	6057/194

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517

Mortgage

Document Number	0065220415
Date	Jan 10, 2024
Book Page	6522/415

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 12, 2026
Property Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517
Document Number	0068530455
Book / Page	6853 / 455
Map Reference	MB JLB 2 PG 17
Instrument Date	Feb 9, 2026
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FRONT DOOR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517

Mortgage

Document Number	0006853460
Date	Feb 12, 2026
Instrument	6853/460

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Oct 9, 2025
Property Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517
Document Number	0067960348
Book / Page	6796 / 348
Map Reference	MB JLB 2 PG 17
Instrument Date	Jul 31, 2025
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Jan 5, 2024
Property Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517
Document Number	0065210154
Book / Page	6521 / 154
Map Reference	MB JLB 2 PG 17
Instrument Date	Jan 4, 2024
Transaction Type	Transfer
Record Updated	Jan 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12504 ALGONQUIN TRL, LUSBY, MD 20657-3517

Tax Assessment & Valuation

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		$271,600 (+9.03%) Land $55,200 Building $216,400	$271,600 (-) Land $55,200 Building $216,400
2025	$3,102.00 (+46.32%) Homeowner's exemption	$249,100 (+22.05%)	$271,600 (+33.07%) Land $55,200 Building $216,400
2023	$2,120.00	$204,100 Land $55,200 Building $148,900	$204,100 Land $55,200 Building $148,900

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
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

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

Wildfire Risk	Moderate above 51% of the US · above 88% of Maryland
Wildfire Likelihood	0.09% 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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