12865 Tern Ct, Lusby, MD 20657 Property Records

Calvert County property record for 12865 Tern Ct, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,028 sqft · built 1990
Lot Size	0.499 acres (21,736 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Mar 2019)
Tax Bill	$3,559 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Jun 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-141783`

Property Details

APN / Parcel Number

Primary APN	`01-141783`
Alternative APNs	`1141783` `141783`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,028 sqft Total Area
Basement Area	816 sqft
Finished Basement	816 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,736 sqft (0.499 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	141783
Street Address	12865 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 10 BLK B SEC 4B DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	B
Legal Lot Number	10
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1016
Census Tract	861003

Owner

12865 Tern Ct is owned and occupied by an individual who bought it in March 2019.

Source: Calvert County records, as of December 2, 2025

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 File
Mailing Address	12865 TERN CT, LUSBY, MD 20657-3287
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2019	Grant Deed, Transfer · Conventional Mortgage USAA
Jun 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2019 · Amount on File
Deed Sale	Mar 8, 2019 · Amount on File
Prior Sale	Jan 17, 1990 · Amount on File
Deed Book / Page	5328 / 222
Prior Transfer Date	Jun 1, 2018
Prior Transfer Doc	0052000177
Record Updated	Jun 8, 2026

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 8, 2019
Property Address	12865 TERN CT, LUSBY, MD 20657-3287
Document Number	0053280222
Book / Page	005328 / 000222
Instrument Date	Feb 22, 2019
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	BEACON TITLE AND ESCROW, BEACON TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12865 TERN CT LUSBY MD 20657, LUSBY, MD 20657

Mortgage

Document Number	53280231
Date	Mar 8, 2019
Book Page	005328/000231

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 7, 2018
Property Address	12865 TERN CT, LUSBY, MD 20657-3287
Document Number	0052000177
Book / Page	005200 / 000177
Instrument Date	Jun 1, 2018
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	PO BOX 1059 LUSBY MD 206571059, LUSBY, MD 20657-1059

Tax Assessment & Valuation

The 2025 property tax bill for 12865 Tern Ct was $3,559 with a homeowner's exemption.

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	$3,559.00 Homeowner's exemption	$293,033	$313,500 Land $97,600 Building $215,900
2023	$2,619.00 Homeowner's exemption	$252,100 Land $97,600 Building $154,500	$252,100 Land $97,600 Building $154,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12865 Tern Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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

Wildfire risk around 12865 Tern Ct is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 88% of Maryland
Wildfire Likelihood	0.09% 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 (outdoors only) and 4G LTE

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