Calvert County property record for 12869 Bay Dr, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,240 sqft · built 1986 |
| Lot Size | 0.53 acres (23,086 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Sep 2003) |
| Tax Bill | $5,107 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-065343 |
| Primary APN | 01-065343 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,240 sqft Total Area |
| Basement Area | 620 sqft |
| Finished Basement | 620 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,086 sqft (0.53 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 464 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 065343 |
|---|---|
| Street Address | 12869 BAY DR |
| City | LUSBY |
| State | MD |
| Zip | 20657-3266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LT 4R BLK B SEC 2A DRUM POINT |
| Legal Subdivision | DRUM POINT |
| Legal Block | B |
| Legal Lot Number | 4R |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 861003 |
Source: Calvert County records, as of July 28, 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 | 12869 BAY DR, LUSBY, MD 20657-3266 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2003 · Amount on Record |
| Deed Sale | Sep 29, 2003 · Amount on Record |
| Prior Sale | Oct 3, 1984 · Amount on Record |
| Deed Document Number | 200341076 |
| Deed Book / Page | 2007 / 312 |
| Transfer Doc | 0000054318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 12869 BAY DR, LUSBY, MD 20657-3266 |
| Document Number | 0057530342 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2020 |
| Title Company | BLUE CRAB TITLE ESCROW LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12869 BAY DR LUSBY MD 206573266, LUSBY, MD 20657-3266 |
| Document Number | 0057530342 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 005753/000342 |
| Name | CEDAR POINT FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON PARK, MD 20653 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 3, 2035 |
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $458,600 (+5.06%) Land $227,300 Building $231,300 | $458,600 (-) Land $227,300 Building $231,300 | |
| 2025 | $5,107.00 (+25.29%) Homeowner's exemption | $436,500 (+11.27%) | $458,600 (+16.9%) Land $227,300 Building $231,300 |
| 2023 | $4,076.00 Homeowner's exemption | $392,300 Land $227,300 Building $165,000 | $392,300 Land $227,300 Building $165,000 |
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 AE, 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 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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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