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12945 Spring Cove Dr, Lusby, MD 20657 Property Records

Calvert County property record for 12945 Spring Cove Dr, Lusby, MD 20657

Property Summary

Property TypeSingle Family Home
Details4 ba · 2,720 sqft · built 2024
Lot Size0.468 acres (20,429 sqft)
OwnerIndividual Name on File
Last Sale$650,000 (Oct 2025)
Tax Bill$1,002 (2023)
Deeds & MortgagesOct 2025 Sale & Mortgage
Mar 2023 Sale
Flood ZoneZone X (minimal risk)
APN01-240900

Property Details

APN / Parcel Number

Primary APN01-240900
Alternative APN
  • 240900

Interior

Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,720 sqft Total Area

Exterior

Year BuiltBuilt 2024
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area20,429 sqft (0.468 acres)
Garage TypeBuilt-in
Garage Area576 sqft
Parking Spaces2 Parking Spaces
Deck Area224 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number240900
Street Address12945 SPRING COVE DR
CityLUSBY
StateMD
Zip20657-2932
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal DescriptionLT 7 SEC 1 SPRING COVE
Legal SubdivisionSPRING COVE
Legal Lot Number7
JurisdictionCALVERT MD
Township / Civil Division1, SOLOMONS ISLAND
Census Block Group1
Census Block1010
Census Tract860901

Owner

Source: Calvert County records · APN 01-240900

Assessment roll updated July 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-owner2 Verified Secondary Owners
Mailing Address12945 SPRING COVE DR, LUSBY, MD 20657-2932
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 02, 2025Deed, Transfer · FHA Mortgage
AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Mar 30, 2023Deed, Transfer
CALAVERAS TITLE COMPANY, CALVERT TITLE COMPANY

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleOct 02, 2025 · Amount on Record
Deed SaleOct 02, 2025 · Amount on Record
Prior SaleMar 30, 2023 · Amount on Record
Deed Document Number0000067931
Deed Book / Page6793 / 1
Record UpdatedJun 07, 2026

October 2025: Deed, Transfer

Document TypeDeed
JurisdictionCALVERT MD
Recording DateOct 02, 2025
Property Address12945 SPRING COVE DR, LUSBY, MD 20657-2932
Document Number0067930001
Book / Page6793 / 1
Map ReferenceLB JLB 2 FO 68
Instrument DateSep 30, 2025
Transaction TypeTransfer
Record UpdatedOct 21, 2025
Title CompanyUNKNOWN, BRIDGE TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,250.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address12945 SPRING COVE DR, LUSBY, MD 20657-2932

Mortgage

Document Number0000067937
DateOct 02, 2025
Instrument6793/7
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2055

March 2023: Deed, Transfer

Document TypeDeed
JurisdictionCALVERT MD
Recording DateMar 30, 2023
Property Address12945 SPRING COVE DR, LUSBY, MD 20657-2932
Document Number0064150311
Book / Page6415 / 311
Map ReferenceLB JLB 2 FO 68
Instrument DateMar 29, 2023
Transaction TypeTransfer
Record UpdatedApr 21, 2023
Title CompanyCALAVERAS TITLE COMPANY, CALVERT TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$375.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address4731 ANGELICA DR, HUNTINGTOWN, MD 20639-9294

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateMaryland
CountyCalvert County
Unified School DistrictCalvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$543,733 (+463.45%)$582,800 (+503.94%) Land $124,000 Building $458,800
2023$1,002.00$96,500 Land $96,500$96,500 Land $96,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), as of April 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240098609011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
lower than 64% of the US · above 74% of Maryland
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 49 locations within half a mile of this property.

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