Calvert County property record for 13185 Joy Rd, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,432 sqft · built 1999 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $430,000 (Oct 2021) |
| Tax Bill | $4,331 (2023) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-228986 |
| Primary APN | 01-228986 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,432 sqft Total Area |
| 1st Floor Area | 1,216 sqft |
| Basement Area | 1,034 sqft |
| Finished Basement | 1,034 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Wood Frame |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 228986 |
|---|---|
| Old Parcel Number | 1228986 |
| Street Address | 13185 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 | LT 5R SECRET COVE |
| Legal Subdivision | SECRET COVE |
| Legal Lot Number | 5R |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 860901 |
13185 Joy Rd is owned and occupied by an individual who bought it in October 2021.
Source: Calvert County records, as of September 18, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 13185 JOY RD, LUSBY, MD 20657-2624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on File |
| Deed Sale | Oct 19, 2021 · Amount on File |
| Prior Sale | Jan 20, 2016 · Amount on File |
| Deed Document Number | 0006115280 |
| Deed Book / Page | 6115 / 280 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Oct 19, 2021 |
| Property Address | 13185 JOY RD, LUSBY, MD 20657-2624 |
| Document Number | 0061150280 |
| Book / Page | 6115 / 280 |
| Map Reference | LB ABE 5 FO 57 |
| Instrument Date | Oct 7, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2021 |
| Title Company | BAYVIEW TITLE, BAYVIEW TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,075.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13185 JOY RD, LUSBY, MD 20657-2624 |
| Document Number | 6115286 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 6115/286 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
Source: Calvert County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,331.00 | $416,900 Land $130,500 Building $286,400 | $416,900 Land $130,500 Building $286,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13185 Joy Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 risk around 13185 Joy Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of 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.
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.
5G and 4G LTE (outdoors only)
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