12943 Mariners Cir, Lusby, MD 20657 Property Records

Calvert County property record for 12943 Mariners Cir, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,332 sqft · built 1990
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$207,000 (Jun 2005)
Tax Bill	$3,649 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-176498`

Property Details

APN / Parcel Number

Primary APN	`01-176498`
Alternative APNs	`1176498` `176498`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,332 sqft Total Area
Basement Area	596 sqft
Finished Basement	596 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Basement
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	176498
Street Address	12943 MARINERS CIR
City	LUSBY
State	MD
Zip	20657-2615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 9 SEC 2-T CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	9
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3016
Census Tract	860901

Owner

12943 Mariners Cir is owned and occupied by two individuals who bought it in June 2005.

Source: Calvert County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12943 MARINERS CIR, LUSBY, MD 20657-2615
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jul 16, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2005 · Amount on File
Deed Sale	Jun 10, 2005 · Amount on File
Prior Sale	Jun 10, 2005 · Amount on File
Deed Book / Page	2497 / 414
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12943 MARINERS CIR, LUSBY, MD 20657-2615
Transaction Type	Mortgage
Record Updated	Nov 18, 2022
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063650107
Date	Nov 1, 2022
Book Page	6365/107

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12943 MARINERS CIR, LUSBY, MD 20657-2615
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060240322
Date	Jul 16, 2021
Book Page	6024/322

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 12943 Mariners Cir was $3,649.

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		$330,900 Land $64,300 Building $266,600	$330,900 Land $64,300 Building $266,600
2025	$3,649.00
2023	$2,402.00	$231,200 Land $64,300 Building $166,900	$231,200 Land $64,300 Building $166,900

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

Flood

FEMA maps place 12943 Mariners Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	3 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 12943 Mariners Cir is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 90% of Maryland
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHESAPEAKE RANCH ESTATES private · serves 9,500 people · EPA ID MD0040004
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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