12681 Rustlers Rdg, Lusby, MD 20657 Property Records

Calvert County property record for 12681 Rustlers Rdg, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,248 sqft · built 1998
Lot Size	0.719 acres (31,339 sqft)
Owner	Individual Name on Record
Last Sale	$289,000 (Aug 2006)
Tax Bill	$3,507 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-116649`

Property Details

APN / Parcel Number

Primary APN	`01-116649`
Alternative APNs	`1116649` `116649`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Total Area
Basement Area	546 sqft
Finished Basement	546 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	31,339 sqft (0.719 acres)
Porch	Slab
Porch Area	126 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	116649
Street Address	12681 RUSTLERS RDG
City	LUSBY
State	MD
Zip	20657-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 37 SEC 2C CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	37
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1006
Census Tract	861003

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	Individual Name on Record
Mailing Address	1908 PATTIZ AVE, LONG BEACH, CA 90815-3620
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 9, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGEPROS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2006 · Amount on Record
Deed Sale	Aug 25, 2006 · Amount on Record
Prior Sale	Nov 26, 2003 · Amount on Record
Deed Document Number	200670454
Deed Book / Page	2827 / 176
Last Transfer Date	Feb 29, 2016
Transfer Doc	0047560123
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12681 RUSTLERS RDG, LUSBY, MD 20657-4443
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061130047
Date	Oct 15, 2021
Book Page	6113/47

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	293 Months
Due	Mar 1, 2046

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12681 RUSTLERS RDG, LUSBY, MD 20657-4443
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	AMERICAS TITLE GROUP, AMERICAS TITLE CROP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12681 RUSTLERS RDG, LUSBY, MD 20657-4443

Mortgage

Document Number	0062770464
Date	May 9, 2022
Book Page	6277/464

Lender

Name	MORTGAGEPROS LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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		$317,300 (+11.5%) Land $55,200 Building $262,100	$317,300 (-) Land $55,200 Building $262,100
2025	$3,507.00 (+54.09%)	$284,567 (+29.88%)	$317,300 (+44.82%) Land $55,200 Building $262,100
2023	$2,276.00	$219,100 Land $55,200 Building $163,900	$219,100 Land $55,200 Building $163,900

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	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 57% of the US · above 91% of Maryland
Wildfire Likelihood	0.1% 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 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.

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