12921 Ottawa Dr, Lusby, MD 20657 Property Records

Calvert County property record for 12921 Ottawa Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,056 sqft · built 1988
Lot Size	0.23 acres (10,005 sqft)
Owner	Individual Name on Record
Last Sale	$214,000 (Oct 2018)
Tax Bill	$2,642 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-065408`

Property Details

APN / Parcel Number

Primary APN	`01-065408`
Alternative APNs	`1065408` `065408`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,056 sqft Total Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,005 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	065408
Street Address	12921 OTTAWA DR
City	LUSBY
State	MD
Zip	20657-3255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 9 BLK B SEC 14 DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	B
Legal Lot Number	9
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2032
Census Tract	861003

Owner

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	Individual Name on Record
Mailing Address	12921 OTTAWA DR, LUSBY, MD 20657-3255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE MANAGEMENT LLC
Oct 12, 2018	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Mar 5, 2007 · Amount on Record
Deed Book / Page	5266 / 278
Prior Transfer Date	Apr 11, 2016
Prior Transfer Doc	0047450478
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12921 OTTAWA DR, LUSBY, MD 20657-3255
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056840465
Date	Sep 1, 2020
Book Page	5684/465

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 12, 2018
Property Address	12921 OTTAWA DR, LUSBY, MD 20657-3255
Document Number	0052660278
Book / Page	5266 / 278
Map Reference	LB AWR1 FO24
Instrument Date	Oct 9, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BLUE CRAB TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,070.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12921 OTTAWA DR, LUSBY, MD 20657-3255

Mortgage

Document Number	0005266282
Date	Oct 12, 2018
Instrument	5266/282

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

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
2026		$224,200 (+7.77%) Land $67,200 Building $157,000	$224,200 (-) Land $67,200 Building $157,000
2025	$2,642.00 (+44.77%)	$208,033 (+18.4%)	$224,200 (+27.6%) Land $67,200 Building $157,000
2023	$1,825.00	$175,700 Land $67,200 Building $108,500	$175,700 Land $67,200 Building $108,500

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · river or lake flooding

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	Low lower than 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.04% 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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