12622 Hilltop Rd, Lusby, MD 20657 Property Records

Calvert County property record for 12622 Hilltop Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1 ba · 896 sqft · built 2003
Lot Size	0.866 acres (37,761 sqft)
Owner	Individual Name on Record
Last Sale	$149,000 (Mar 2013)
Tax Bill	$2,704 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-135538`

Property Details

APN / Parcel Number

Primary APN	`01-135538`
Alternative APNs	`1135538` `135538`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Total Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	37,761 sqft (0.866 acres)
Porch	Slab
Porch Area	64 sqft
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	135538
Street Address	12622 HILLTOP RD
City	LUSBY
State	MD
Zip	20657-3361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 9 SEC 1J CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	9
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1000
Census Tract	861003

Owner

Source: Calvert County records, as of September 14, 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	Individual Name on Record
Mailing Address	12622 HILLTOP RD, LUSBY, MD 20657-3361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Nov 22, 2023	Deed of Trust, Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Feb 20, 2018	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK NW NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2013 · Amount on Record
Deed Sale	Mar 28, 2013 · Amount on Record
Prior Sale	May 30, 2003 · Amount on Record
Deed Book / Page	4156 / 394
Prior Transfer Date	Oct 28, 2010
Prior Transfer Doc	0036020139
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12622 HILLTOP RD, LUSBY, MD 20657-3361
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0065230020
Date	Jan 11, 2024
Book Page	6523/20

Lender

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

Agreement

Amount	Amount Recorded

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12622 HILLTOP RD, LUSBY, MD 20657-3361
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0065070399
Date	Nov 22, 2023
Book Page	6507/399

Lender

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

Agreement

Amount	Amount Recorded

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALVERT MD
Property Address	12622 HILLTOP RD, LUSBY, MD 20657-3361
Document Number	0051640377
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Apr 6, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12622 HILLTOP RD LUSBY MD 206573361, LUSBY, MD 20657-3361

Mortgage

Document Number	0051640377
Date	Mar 29, 2018
Book Page	005164/000377

Lender

Name	WELLS FARGO BK NW NA
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2048

Interest

Rate	3.25%

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		$227,900 (+8.49%) Land $55,200 Building $172,700	$227,900 (-) Land $55,200 Building $172,700
2025	$2,704.00 (+49.23%)	$210,067 (+20.45%)	$227,900 (+30.68%) Land $55,200 Building $172,700
2023	$1,812.00	$174,400 Land $55,200 Building $119,200	$174,400 Land $55,200 Building $119,200

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	5 in force
Nearby Flood Claims	6 (1995–2015)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jun 2015 · other causes

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 55% of the US · above 90% of Maryland
Wildfire Likelihood	0.1% 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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