Calvert County property record for 12805 Bay Dr, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,100 sqft · built 1965 |
| Lot Size | 0.339 acres (14,767 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $397,500 (Jun 2026) |
| Tax Bill | $3,716 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-065971 |
| Primary APN | 01-065971 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,100 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,767 sqft (0.339 acres) |
| View / Lot | Waterfront |
| Garage Type | Carport |
| Garage Area | 308 sqft |
| Carport | Carport |
| Carport Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 408 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 065971 |
|---|---|
| Street Address | 12805 BAY DR |
| City | LUSBY |
| State | MD |
| Zip | 20657-3266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT 10 BLK C SEC 3A DRUM POINT |
| Legal Subdivision | DRUM POINT |
| Legal Block | C |
| Legal Lot Number | 10 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 861003 |
Source: Calvert County records, as of June 23, 2026
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 | 12805 BAY DR, LUSBY, MD 20657-3266 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on Record |
| Deed Sale | Jun 16, 2026 · Amount on Record |
| Prior Sale | Dec 8, 2006 |
| Deed Book / Page | 6919 / 315 |
| Prior Transfer Date | Feb 17, 2011 |
| Prior Transfer Doc | 0036880358 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 16, 2026 |
| Property Address | 12805 BAY DR, LUSBY, MD 20657-3266 |
| Document Number | 6919000315 |
| Book / Page | 6919 / 315 |
| Instrument Date | Jun 8, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | RIDGEVIEW TITLE, BRIDGEVIEW TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $401,475.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12805 BAY DR, LUSBY, MD 20657-3266 |
| Document Number | 6919000322, |
|---|---|
| Date | Jun 16, 2026 |
| Book Page | 6919/322 |
| Name | FIRST HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Calvert County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,716.00 (+31.35%) | $307,567 (+12.95%) | $325,200 (+19.43%) Land $152,600 Building $172,600 |
| 2023 | $2,829.00 | $272,300 Land $152,600 Building $119,700 | $272,300 Land $152,600 Building $119,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 VE, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| IQ Fiber Fiber | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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