13105 Joy Rd, Lusby, MD 20657 Property Records

Calvert County property record for 13105 Joy Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,836 sqft · built 1971
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$254,995 (Nov 2019)
Tax Bill	$3,144 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-010301`

Property Details

APN / Parcel Number

Primary APN	`01-010301`
Alternative APNs	`1010301` `010301`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,836 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	010301
Street Address	13105 JOY RD
City	LUSBY
State	MD
Zip	20657-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	1 AC N/S OLIVET RD OLIVET
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3011
Census Tract	860901

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	13105 JOY RD, LUSBY, MD 20657-2624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Grant Deed, Transfer QUICKEN LNS
Jan 2, 2019	Grant Deed, Transfer WCP FUND I LLC
Feb 22, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2019 · Amount on Record
Deed Sale	Nov 26, 2019 · Amount on Record
Prior Sale	Jan 2, 2019 · Amount on Record
Deed Book / Page	5482 / 184
Record Updated	Oct 29, 2026

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 26, 2019
Property Address	13105 JOY RD, LUSBY, MD 20657-2624
Document Number	0054820184
Book / Page	005482 / 000184
Instrument Date	Sep 30, 2019
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	CAPITOL TITLE COMPANY INC, CAPITOL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	13105 JOY RD LUSBY MD 206572624, LUSBY, MD 20657-2624

Mortgage

Document Number	54820190
Date	Nov 26, 2019
Book Page	005482/000190

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 2, 2019
Property Address	13105 JOY RD, LUSBY, MD 20657-2624
Document Number	0053000531
Book / Page	005300 / 000531
Instrument Date	Nov 15, 2018
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	FIRST TITLE COMPANY, FIRST TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$122.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	45612 LONGFIELDS VILLAGE DR GREAT MILLS MD 206342402, GREAT MILLS, MD 20634-2402

Mortgage

Document Number	53000536
Date	Jan 2, 2019
Book Page	005300/000536

Lender

Name	WCP FUND I LLC
Address	FALLS CHURCH, VA 22043

Agreement

Amount	Amount Recorded

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 22, 2018
Property Address	13105 JOY RD, LUSBY, MD 20657-2624
Document Number	0051480227
Book / Page	005148 / 000227
Instrument Date	Dec 7, 2017
Transaction Type	Foreclosure
Record Updated	Mar 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14405 WALTERS RD #200 HOUSTON TX 770141345, 200, HOUSTON, TX 77014-1345

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		$286,200 (+19.3%) Land $117,000 Building $169,200	$286,200 (+19.3%) Land $117,000 Building $169,200
2025	$3,144.00 (+26.16%)
2023	$2,492.00 Homeowner's exemption	$239,900 Land $117,000 Building $122,900	$239,900 Land $117,000 Building $122,900

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
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	Moderate above 57% of the US · above 91% 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.

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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