13189 Joy Rd, Lusby, MD 20657 Property Records

Calvert County property record for 13189 Joy Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,723 sqft · built 1998
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$163,375 (Dec 1998)
Tax Bill	$4,132 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-228994`

Property Details

APN / Parcel Number

Primary APN	`01-228994`
Alternative APNs	`1228994` `228994`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Total Area
Basement Area	588 sqft
Finished Basement	588 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	659 sqft
Shed	1 Shed
Shed Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	228994
Street Address	13189 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 6R SECRET COVE
Legal Subdivision	SECRET COVE
Legal Lot Number	6R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3011
Census Tract	860901

Owner

13189 Joy Rd is owned and occupied by two individuals who bought it in December 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	13189 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.

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · VA Mortgage TRUSTED MORTGAGE CAPITAL INC
Apr 29, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 9, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 1998 · Amount on File
Deed Sale	Dec 7, 1998 · Amount on File
Prior Sale	Aug 7, 1998 · Amount on File
Deed Document Number	1998991184
Deed Book / Page	1117 / 41
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	13189 JOY RD, LUSBY, MD 20657-2624
Transaction Type	Mortgage
Record Updated	Feb 12, 2026
Title Company	LIBERTY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13189 JOY RD, LUSBY, MD 20657-2624

Mortgage

Document Number	0068470001
Date	Jan 28, 2026
Book Page	6847/1

Lender

Name	TRUSTED MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year T-Bill
Max Rate	5.75%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	13189 JOY RD, LUSBY, MD 20657-2624
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055780320
Date	Apr 29, 2020
Book Page	5578/320

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	13189 JOY RD, LUSBY, MD 20657-2624
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062350156
Date	Mar 9, 2022
Book Page	6235/156

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 13189 Joy Rd was $4,132 with a homeowner's exemption.

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		$383,400 (+5.8%) Land $130,500 Building $252,900	$383,400 (-) Land $130,500 Building $252,900
2025	$4,132.00 Homeowner's exemption	$362,367	$383,400 Land $130,500 Building $252,900
2023	$3,327.00 Homeowner's exemption	$320,300 Land $130,500 Building $189,800	$320,300 Land $130,500 Building $189,800

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

Flood

FEMA maps place 13189 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

Wildfire risk around 13189 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.

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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