13112 River Ter, Lusby, MD 20657 Property Records

Calvert County property record for 13112 River Ter, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,103 sqft · built 2003
Lot Size	0.932 acres (40,611 sqft)
Owner	2 Company Names on File
Last Sale	$826,500 (Nov 2017)
Tax Bill	$11,241 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-141686`

Property Details

APN / Parcel Number

Primary APN	`01-141686`
Alternative APNs	`1141686` `141686`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,103 sqft Total Area
Basement Area	1,581 sqft
Finished Basement	1,581 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,611 sqft (0.932 acres)
View / Lot	Waterfront
Garage Type	Basement
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	399 sqft
Deck Area	84 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	141686
Street Address	13112 RIVER TER
City	LUSBY
State	MD
Zip	20657-4104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 21R BLK A SEC 25 DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	A
Legal Lot Number	21R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2007
Census Tract	861003

Owner

13112 River Ter is owned by a company that acquired it in September 2023.

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

Owner of Record	2 Company Names on File
Mailing Address	2826 CENTER RIDGE DR, OAKTON, VA 22124-1456
Owner Type	Company

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

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Nov 13, 2017	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2017 · Amount on File
Deed Sale	Nov 13, 2017 · Amount on File
Prior Sale	Oct 24, 2013 · Amount on File
Deed Book / Page	5096 / 415
Last Transfer Date	Sep 12, 2023
Transfer Doc	6625000193
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	13112 RIVER TER, LUSBY, MD 20657-4104
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	UNIVERSAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059710302
Date	May 24, 2021
Book Page	5971/302

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Dec 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	13112 RIVER TER, LUSBY, MD 20657-4104
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	UNIVERSAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057940462
Date	Dec 16, 2020
Book Page	5794/462

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 13, 2017
Property Address	13112 RIVER TER, LUSBY, MD 20657-4104
Document Number	0050960415
Book / Page	5096 / 415
Map Reference	MB JLB1 PL38
Instrument Date	Oct 31, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2826 CENTER RIDGE DR, OAKTON, VA 22124-1456

Mortgage

Document Number	0005096419
Date	Nov 13, 2017
Instrument	5096/419

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 13112 River Ter was $11,241.

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		$1,116,800 Land $413,200 Building $703,600	$1,116,800 Land $413,200 Building $703,600
2025	$11,241.00
2023	$9,025.00	$868,700 Land $369,600 Building $499,100	$868,700 Land $369,600 Building $499,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13112 River Ter in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 13112 River Ter is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 76% of Maryland
Wildfire Likelihood	0.04% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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