12845 Laurel Way, Lusby, MD 20657 Property Records

Calvert County property record for 12845 Laurel Way, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 982 sqft · built 2008
Lot Size	0.346 acres (15,072 sqft)
Owner	Individual on Record
Last Sale	$259,900 (Apr 2019)
Tax Bill	$2,250 (2023)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-064495`

Property Details

APN / Parcel Number

Primary APN	`01-064495`
Alternative APNs	`1064495` `064495`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	982 sqft Total Area
Basement Area	835 sqft
Finished Basement	835 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Porch	Open Porch
Porch Area	192 sqft
Deck Area	230 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064495
Old Parcel Number	1064495
Street Address	12845 LAUREL WAY
City	LUSBY
State	MD
Zip	20657-3249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 7 BLK C SEC 4B DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	C
Legal Lot Number	7
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1017
Census Tract	861003

Owner

Source: Calvert County assessment roll, as of July 1, 2023

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	12845 LAUREL WAY, LUSBY, MD 20657-3249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2021	Deed of Trust, Mortgage · USDA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 4, 2019	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2019 · Amount on Record
Deed Sale	Apr 4, 2019 · Amount on Record
Prior Sale	Mar 19, 2008 · Amount on Record
Deed Document Number	0005339237
Deed Book / Page	5339 / 237
Record Updated	Jun 7, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12845 LAUREL WAY, LUSBY, MD 20657-3249
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061590273
Date	Dec 2, 2021
Book Page	6159/273

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 4, 2019
Property Address	12845 LAUREL WAY, LUSBY, MD 20657-3249
Document Number	0053390237
Book / Page	5339 / 237
Map Reference	MB JLB 1 PL 59
Instrument Date	Mar 25, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$649.75
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 by the Entirety

Mortgage

Document Number	5339242
Date	Apr 4, 2019
Instrument	5339/242

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$2,250.00	$216,600 Land $67,200 Building $149,400	$216,600 Land $67,200 Building $149,400

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 47% of the US · above 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: IQ Fiber, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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