12974 Ottawa Dr, Lusby, MD 20657 Property Records

Calvert County property record for 12974 Ottawa Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,569 sqft · built 1989
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,875 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-064673`

Property Details

APN / Parcel Number

Primary APN	`01-064673`
Alternative APNs	`1064673` `064673`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,569 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,979 sqft (0.275 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	306 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064673
Street Address	12974 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 9 BLK F SEC 1 DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	F
Legal Lot Number	9
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2008
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	12974 OTTAWA DR, LUSBY, MD 20657-3254
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Intrafamily Transfer, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Aug 3, 2020	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025
Deed Sale	Oct 15, 2025
Prior Sale	Jan 21, 2025 · Amount on Record
Deed Book / Page	6800 / 4
Prior Transfer Date	Oct 7, 2025
Prior Transfer Doc	0068000004
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Oct 15, 2025
Property Address	12974 OTTAWA DR, LUSBY, MD 20657-3254
Document Number	0068000004
Book / Page	6800 / 4
Map Reference	MB AAH 1 PG 88
Instrument Date	Oct 7, 2025
Transaction Type	Transfer
Record Updated	Nov 5, 2025
Title Company	MILESTONE SETTLEMENT LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12974 OTTAWA DR, LUSBY, MD 20657-3254

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12974 OTTAWA DR, LUSBY, MD 20657-3254

Mortgage

Document Number	0000680011
Date	Oct 15, 2025
Instrument	6800/11

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 3, 2020
Property Address	12974 OTTAWA DR, LUSBY, MD 20657-3254
Document Number	0056580466
Book / Page	5658 / 466
Map Reference	MB AAH 1 PG 88
Instrument Date	Jul 29, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	LAWYERS T&E SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$799.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12974 OTTAWA DR, LUSBY, MD 20657-3254

Mortgage

Document Number	0005658472
Date	Aug 3, 2020
Instrument	5658/472

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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		$347,600 (+7.83%) Land $79,100 Building $268,500	$347,600 (-) Land $79,100 Building $268,500
2025	$3,875.00 (+37.17%)	$322,367 (+18.56%)	$347,600 (+27.84%) Land $79,100 Building $268,500
2023	$2,825.00	$271,900 Land $79,100 Building $192,800	$271,900 Land $79,100 Building $192,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: IQ Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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