12646 Western Cir, Lusby, MD 20657 Property Records

Calvert County property record for 12646 Western Cir, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,092 sqft · built 1994
Lot Size	0.478 acres (20,849 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Sep 2014)
Tax Bill	$3,217 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`01-135007`

Property Details

APN / Parcel Number

Primary APN	`01-135007`
Alternative APNs	`1135007` `135007`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Total Area
Basement Area	546 sqft
Finished Basement	546 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,849 sqft (0.478 acres)
Porch	Slab
Porch Area	252 sqft
Deck Area	436 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	135007
Street Address	12646 WESTERN CIR
City	LUSBY
State	MD
Zip	20657-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 55 SEC 2A CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	55
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1006
Census Tract	861003

Owner

12646 Western Cir is owned and occupied by an individual who bought it in September 2014.

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

Owner of Record	Individual Name on File
Mailing Address	12646 WESTERN CIR, LUSBY, MD 20657-4427
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
Oct 16, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 16, 2018	Loan Modification, Mortgage · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2014 · Amount on File
Deed Sale	Sep 25, 2014 · Amount on File
Prior Sale	Jun 23, 2000 · Amount on File
Deed Book / Page	4445 / 41
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12646 WESTERN CIR, LUSBY, MD 20657-4427
Document Number	0052810017
Instrument Date	Oct 16, 2018
Transaction Type	Mortgage
Record Updated	Dec 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12646 WESTERN CIR LUSBY MD 206574427, LUSBY, MD 20657-4427

Mortgage

Document Number	0052810017
Date	Nov 13, 2018
Book Page	005281/000017

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2048

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALVERT MD
Property Address	12646 WESTERN CIR, LUSBY, MD 20657-4427
Document Number	0052820047
Instrument Date	Oct 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12646 WESTERN CIR LUSBY MD 206574427, LUSBY, MD 20657-4427

Mortgage

Document Number	0052820047
Date	Nov 15, 2018
Book Page	005282/000047

Lender

Name	US BK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 12646 Western Cir was $3,217.

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		$278,500 Land $55,200 Building $223,300	$278,500 Land $55,200 Building $223,300
2025	$3,217.00
2023	$2,243.00	$215,900 Land $55,200 Building $160,700	$215,900 Land $55,200 Building $160,700

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

Flood

FEMA maps place 12646 Western Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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	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

Wildfire risk around 12646 Western Cir is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 89% 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 173 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, Verizon.

Nearby Properties on Western Cir

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