Calvert County property record for 12864 Tern Ct, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,509 sqft · built 1978 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $72,417 (Oct 2001) |
| Tax Bill | $4,144 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-072455 |
| Primary APN | 01-072455 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,509 sqft Total Area |
| Basement Area | 1,165 sqft |
| Finished Basement | 1,165 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 19,994 sqft (0.459 acres) |
| View / Lot | Waterfront |
| Deck Area | 454 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 072455 |
|---|---|
| Street Address | 12864 TERN CT |
| City | LUSBY |
| State | MD |
| Zip | 20657-3287 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT 12 BLK B SEC 4B DRUM POINT |
| Legal Subdivision | DRUM POINT |
| Legal Block | B |
| Legal Lot Number | 12 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 861003 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12864 TERN CT, LUSBY, MD 20657-3287 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2001 · Amount on Record |
| Deed Sale | Oct 9, 2001 · Amount on Record |
| Prior Sale | Jul 13, 1995 · Amount on Record |
| Deed Document Number | 200121215 |
| Deed Book / Page | 1465 / 280 |
| Transfer Doc | 0014650280 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 12864 TERN CT, LUSBY, MD 20657-3287 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 12864 TERN CT, LUSBY, MD 20657-3287 |
| Document Number | 0060660159 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 6066/159 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $4,144.00 (+36.18%) Homeowner's exemption | $347,300 (+18.57%) | $374,500 (+27.86%) Land $97,600 Building $276,900 |
| 2023 | $3,043.00 Homeowner's exemption | $292,900 Land $97,600 Building $195,300 | $292,900 Land $97,600 Building $195,300 |
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 | Moderate above 47% of the US · above 87% of Maryland |
|---|---|
| Wildfire Likelihood | 0.08% 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 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.
5G and 4G LTE (outdoors only)
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