12561 Adobe Cir, Lusby, MD 20657 Property Records

Calvert County property record for 12561 Adobe Cir, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,764 sqft · built 1996
Lot Size	0.343 acres (14,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Dec 2022)
Tax Bill	$3,600 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-094238`

Property Details

APN / Parcel Number

Primary APN	`01-094238`
Alternative APNs	`1094238` `094238`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,764 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,946 sqft (0.343 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	150 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	094238
Street Address	12561 ADOBE CIR
City	LUSBY
State	MD
Zip	20657-4505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 31 SEC 3-R 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	2028
Census Tract	861004

Owner

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	2 Individual Names on Record
Mailing Address	12561 ADOBE CIR, LUSBY, MD 20657-4505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2022 · Amount on Record
Deed Sale	Dec 5, 2022 · Amount on Record
Prior Sale	Feb 25, 2014 · Amount on Record
Deed Book / Page	6378 / 96
Record Updated	Oct 29, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 5, 2022
Property Address	12561 ADOBE CIR, LUSBY, MD 20657-4505
Document Number	0063780096
Book / Page	6378 / 96
Map Reference	MB 1 PL 112
Instrument Date	Dec 2, 2022
Transaction Type	Transfer
Record Updated	Dec 19, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$762.50
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 by the Entirety
Address	12561 ADOBE CIR, LUSBY, MD 20657-4505

Mortgage

Document Number	0006378104
Date	Dec 5, 2022
Instrument	6378/104

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Mortgage

Document Number	0063780122
Date	Dec 5, 2022
Book Page	6378/122

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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		$330,200 (+36.28%) Land $55,200 Building $275,000	$330,200 (+36.28%) Land $55,200 Building $275,000
2025	$3,600.00 (+43.03%)
2023	$2,517.00	$242,300 Land $55,200 Building $187,100	$242,300 Land $55,200 Building $187,100

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	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 43% of the US · above 83% of Maryland
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 239 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.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Adobe Cir

Nearby Streets

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