12922 Ottawa Dr, Lusby, MD 20657 Property Records

Calvert County property record for 12922 Ottawa Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,920 sqft · built 1993
Lot Size	0.243 acres (10,585 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,371 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-064789`

Property Details

APN / Parcel Number

Primary APN	`01-064789`
Alternative APNs	`1064789` `064789`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,920 sqft Total Area
Utility Area	60 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,585 sqft (0.243 acres)
Porch	Slab
Porch Area	120 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064789
Street Address	12922 OTTAWA DR
City	LUSBY
State	MD
Zip	20657-3254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 3 BLK C SEC 14 DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	C
Legal Lot Number	3
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2031
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	2 Individual Names on Record
Mailing Address	12922 OTTAWA DR, LUSBY, MD 20657-3254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2020	Deed of Trust, Mortgage · FHA Mortgage RIVER CITY MORTGAGE LLC
Sep 28, 2018	Quit Claim Deed, Transfer · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018
Deed Sale	Sep 28, 2018
Prior Sale	Oct 27, 2009
Deed Book / Page	5259 / 388
Prior Transfer Date	Sep 10, 2018
Prior Transfer Doc	0052590388
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12922 OTTAWA DR, LUSBY, MD 20657-3254
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055240307
Date	Feb 6, 2020
Book Page	5524/307

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45212

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 28, 2018
Property Address	12922 OTTAWA DR, LUSBY, MD 20657-3254
Document Number	0052590388
Book / Page	005259 / 000388
Instrument Date	Sep 10, 2018
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	TITLE 365

Transaction

Amount	Amount Recorded
Tax	$126.46
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12922 OTTAWA DR LUSBY MD 206573254, LUSBY, MD 20657-3254

Mortgage

Document Number	52590395
Date	Sep 28, 2018
Book Page	005259/000395

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 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		$297,500 (+7.92%) Land $67,200 Building $230,300	$297,500 (-) Land $67,200 Building $230,300
2025	$3,371.00 (+39.88%)	$275,667 (+18.82%)	$297,500 (+28.23%) Land $67,200 Building $230,300
2023	$2,410.00	$232,000 Land $67,200 Building $164,800	$232,000 Land $67,200 Building $164,800

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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