12609 Cascade Ln, Lusby, MD 20657 Property Records

Calvert County property record for 12609 Cascade Ln, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,920 sqft · built 1993
Lot Size	0.209 acres (9,139 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,000 (Jun 2013)
Tax Bill	$3,512 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-121685`

Property Details

APN / Parcel Number

Primary APN	`01-121685`
Alternative APNs	`1121685` `121685`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,920 sqft Total Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,139 sqft (0.209 acres)
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	121685
Street Address	12609 CASCADE LN
City	LUSBY
State	MD
Zip	20657-4906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 8 SEC 6-R CHES RANCH ESTS
Legal Subdivision	CHESAPK RAN ES
Legal Lot Number	8
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 December 2, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	12609 CASCADE LN, LUSBY, MD 20657-4906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2013 · Amount on Record
Deed Sale	Jun 18, 2013 · Amount on Record
Prior Sale	Dec 13, 1999 · Amount on Record
Deed Book / Page	4217 / 7
Prior Transfer Date	Nov 28, 2005
Prior Transfer Doc	KPS026620732
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12609 CASCADE LN, LUSBY, MD 20657-4906
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12609 CASCADE LN, LUSBY, MD 20657-4906

Mortgage

Document Number	0064910306
Date	Oct 10, 2023
Book Page	6491/306

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$3,512.00 (+43.58%) Homeowner's exemption	$290,833 (+23.5%)	$318,500 (+35.24%) Land $55,200 Building $263,300
2023	$2,446.00 Homeowner's exemption	$235,500 Land $55,200 Building $180,300	$235,500 Land $55,200 Building $180,300

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 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

4G LTE (outdoors only), no 5G reported

Nearby Properties on Cascade Ln

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