12976 Ship Ct, Lusby, MD 20657 Property Records

Calvert County property record for 12976 Ship Ct, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,330 sqft · built 1995
Lot Size	0.957 acres (41,717 sqft)
Owner	Individual Name on Record
Last Sale	$635,000 (Aug 2021)
Tax Bill	$4,584 (2023)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-181068`

Property Details

APN / Parcel Number

Primary APN	`01-181068`
Alternative APNs	`1181068` `181068`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,330 sqft Total Area
1st Floor Area	1,036 sqft
Basement Area	880 sqft
Finished Basement	880 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	41,717 sqft (0.957 acres)
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	846 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	181068
Old Parcel Number	1181068
Street Address	12976 SHIP CT
City	LUSBY
State	MD
Zip	20657-2674
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 37R SEC 1-T CHES RANCH ESTS
Legal Subdivision	CHES RANCH ESTATES
Legal Block	1T
Legal Lot Number	37R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3015
Census Tract	860901

Owner

Source: Calvert County records, as of September 18, 2023

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
Co-owner	Co-owner on Record
Mailing Address	12976 SHIP CT, LUSBY, MD 20657-2674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Apr 1, 1996 · Amount on Record
Deed Document Number	0006058531
Deed Book / Page	6058 / 531
Record Updated	Jun 7, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 24, 2021
Property Address	12976 SHIP CT, LUSBY, MD 20657-2674
Document Number	0060580531
Book / Page	6058 / 531
Map Reference	LB ABE 553 FO 907
Instrument Date	Jul 30, 2021
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	VELOCITY NATIONAL TITLE COMPANY, VELOCITY NATIONAL TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12976 SHIP CT, LUSBY, MD 20657-2674

Mortgage

Document Number	6058539
Date	Aug 24, 2021
Instrument	6058/539

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$4,584.00	$441,200 Land $131,900 Building $309,300	$441,200 Land $131,900 Building $309,300

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 100 ft
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

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

Wildfire Risk	Low lower than 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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

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

May also be available: IQ Fiber.

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