12691 Rustlers Rdg, Lusby, MD 20657 Property Records

Calvert County property record for 12691 Rustlers Rdg, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,288 sqft · built 1984
Lot Size	1.3 acres (56,816 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Apr 2021)
Tax Bill	$3,911 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-103709`

Property Details

APN / Parcel Number

Primary APN	`01-103709`
Alternative APNs	`1103709` `103709`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,288 sqft Total Area
Basement Area	1,094 sqft
Finished Basement	1,094 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	56,816 sqft (1.3 acres)
Garage Type	Attached
Garage Area	240 sqft
Porch	Open Porch
Porch Area	104 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	103709
Street Address	12691 RUSTLERS RDG
City	LUSBY
State	MD
Zip	20657-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 39R SEC 2C CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	39R
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 December 2, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	12691 RUSTLERS RDG, LUSBY, MD 20657-4443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed, Transfer · USDA Mortgage FIRST HOME MORTGAGE CORP
Jan 29, 2019	Grant Deed, Transfer · VA Mortgage USAA
Oct 19, 2018	Quit Claim Deed, Transfer DULANEY TITLE AND ESCROW LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Prior Sale	Jan 29, 2019 · Amount on Record
Deed Book / Page	5946 / 505
Prior Transfer Date	Sep 7, 2018
Prior Transfer Doc	0052700075
Record Updated	Jun 8, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 28, 2021
Property Address	12691 RUSTLERS RDG, LUSBY, MD 20657-4443
Document Number	0059460505
Book / Page	5946 / 505
Map Reference	LB KPS 1544 PL 78
Instrument Date	Apr 5, 2021
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
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 in Severalty
Address	12691 RUSTLERS RDG, LUSBY, MD 20657-4443

Mortgage

Document Number	5946511
Date	Apr 28, 2021
Instrument	5946/511

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 29, 2019
Property Address	12691 RUSTLERS RDG, LUSBY, MD 20657-4443
Document Number	0053120132
Book / Page	005312 / 000132
Instrument Date	Jan 11, 2019
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	CAPITOL TITLE COMPANY INC, CAPITOL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$249.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12691 RUSTLERS RDG LUSBY MD 206574443, LUSBY, MD 20657-4443

Mortgage

Document Number	53120147
Date	Jan 29, 2019
Book Page	005312/000147

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 19, 2018
Property Address	12691 RUSTLERS RDG, LUSBY, MD 20657-4443
Document Number	0052700075
Book / Page	005270 / 000075
Instrument Date	Sep 7, 2018
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	DULANEY TITLE AND ESCROW LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	31 4TH ST LAUREL MD 207074101, LAUREL, MD 20707-4101

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	$3,911.00 (+39.13%) Homeowner's exemption	$322,000 (+18.99%)	$347,700 (+28.49%) Land $55,200 Building $292,500
2023	$2,811.00	$270,600 Land $55,200 Building $215,400	$270,600 Land $55,200 Building $215,400

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.

Nearby Properties on Rustlers Rdg

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures