Calvert County property record for 12977 Mariners Cir, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,088 sqft · built 1994 |
| Lot Size | 0.744 acres (32,450 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Dec 2023) |
| Tax Bill | $2,796 (2023) |
| Deeds & Mortgages | Oct 2025 Mortgage Dec 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-181416 |
| Primary APN | 01-181416 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,088 sqft Total Area |
| 1st Floor Area | 1,044 sqft |
| Basement Area | 522 sqft |
| Finished Basement | 522 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Wood Frame |
| Roof Material | Composition Shingle |
| Lot Area | 32,450 sqft (0.744 acres) |
| Porch | Open Porch |
| Porch Area | 156 sqft |
| Deck Area | 220 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 181416 |
|---|---|
| Old Parcel Number | 1181416 |
| Street Address | 12977 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 2R SEC 2T CHES RANCH ESTS |
| Legal Subdivision | CHES RANCH ESTATES |
| Legal Block | 2T |
| Legal Lot Number | 2R |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 860901 |
Source: Calvert County records · APN 01-181416
Assessment roll updated July 1, 2023 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 12977 MARINERS CIR, LUSBY, MD 20657-2615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 12, 2023 | Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Feb 01, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 20, 2017 | Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 12, 2023 · Amount on Record |
| Deed Sale | Dec 12, 2023 · Amount on Record |
| Prior Sale | Oct 20, 2017 · Amount on Record |
| Deed Document Number | 0006513322 |
| Deed Book / Page | 6513 / 322 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 12977 MARINERS CIR, LUSBY, MD 20657-2615 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12977 MARINERS CIR, LUSBY, MD 20657-2615 |
| Document Number | 0068030173 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | 6803/173 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Dec 12, 2023 |
| Property Address | 12977 MARINERS CIR, LUSBY, MD 20657-2615 |
| Document Number | 0065130322 |
| Book / Page | 6513 / 322 |
| Map Reference | MB JLB 1 PL 98 |
| Instrument Date | Dec 01, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 25, 2023 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12977 MARINERS CIR, LUSBY, MD 20657-2615 |
| Document Number | 0006513329 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 6513/329 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 12977 MARINERS CIR, LUSBY, MD 20657-2615 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062090078 |
|---|---|
| Date | Feb 01, 2022 |
| Book Page | 6209/78 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Oct 20, 2017 |
| Property Address | 12977 MARINERS CIR, LUSBY, MD 20657-2615 |
| Document Number | 0050830332 |
| Book / Page | 5083 / 332 |
| Map Reference | LB4971 FO001 |
| Instrument Date | Aug 11, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | HOMELAND TITLE & ESCROW LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 12977 MARINERS CIR, LUSBY, MD 20657-2615 |
| Document Number | 0005083339 |
|---|---|
| Date | Oct 20, 2017 |
| Instrument | 5083/339 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2047 |
Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified December 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $2,796.00 | $269,200 Land $68,100 Building $201,100 | $269,200 Land $68,100 Building $201,100 |
Source: FEMA National Flood Hazard Layer as of April 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 51% of the US · above 88% of Maryland |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
Based on FCC filings for 112 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHESAPEAKE RANCH ESTATES private · serves 9,500 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures