1260 Coster Rd, Lusby, MD 20657 Property Records

Calvert County property record for 1260 Coster Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,300 sqft · built 1982
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jul 2021)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-163396`

Property Details

APN / Parcel Number

Primary APN	`01-163396`
Alternative APNs	`1163396` `163396`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Total Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Porch	Slab
Porch Area	80 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	163396
Street Address	1260 COSTER RD
City	LUSBY
State	MD
Zip	20657-2985
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5 SPRUCE HILL
Legal Subdivision	SPRUCE HILL
Legal Lot Number	5
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1008
Census Tract	860901

Owner

1260 Coster Rd is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1260 COSTER RD, LUSBY, MD 20657-2985
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
Jul 20, 2021	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 10, 2018	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Prior Sale	Apr 10, 2018 · Amount on File
Deed Book / Page	6026 / 385
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 20, 2021
Property Address	1260 COSTER RD, LUSBY, MD 20657-2985
Document Number	0060260385
Book / Page	6026 / 385
Map Reference	MB 1 PL 29
Instrument Date	Jul 16, 2021
Transaction Type	Transfer
Record Updated	Jul 30, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
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 by the Entirety
Address	1260 COSTER RD, LUSBY, MD 20657-2985

Mortgage

Document Number	6026391
Date	Jul 20, 2021
Instrument	6026/391

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 10, 2018
Property Address	1260 COSTER RD, LUSBY, MD 20657-2985
Document Number	0051690395
Book / Page	5169 / 395
Map Reference	MB ABE1 PL29
Instrument Date	Apr 9, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$574.75
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
Relationship	Joint Tenants
Address	1260 COSTER RD, LUSBY, MD 20657-2985

Mortgage

Document Number	0005169401
Date	Apr 10, 2018
Instrument	5169/401

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1260 Coster Rd was $3,055 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		$303,800 Land $117,000 Building $186,800	$303,800 Land $117,000 Building $186,800
2025	$3,055.00
2023	$2,254.00	$217,000 Land $117,000 Building $100,000	$217,000 Land $117,000 Building $100,000

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

Flood

FEMA maps place 1260 Coster Rd 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	1 in force

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 1260 Coster Rd is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 85% of Maryland
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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