13284 Joy Rd, Lusby, MD 20657 Property Records

Calvert County property record for 13284 Joy Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,392 sqft · built 1979
Lot Size	2.74 acres (119,354 sqft)
Owner	2 Individual Names on File
Last Sale	$364,950 (May 2020)
Tax Bill	$4,241 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-020439`

Property Details

APN / Parcel Number

Primary APN	`01-020439`
Alternative APNs	`1020439` `020439`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,392 sqft Total Area
Basement Area	940 sqft
Finished Basement	940 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	119,354 sqft (2.74 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	160 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	020439
Street Address	13284 JOY RD
City	LUSBY
State	MD
Zip	20657-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	2.74 AC 13284 JOY RD MILL CREEK
Legal Subdivision	MILL CREEK
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3011
Census Tract	860901

Owner

13284 Joy Rd is owned and occupied by two individuals who acquired it in September 2021.

Source: Calvert County records, as of December 2, 2025

Owner of Record	2 Individual Names on File
Mailing Address	13284 JOY RD, LUSBY, MD 20657-2637
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
Oct 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
May 1, 2020	Deed, Transfer · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Apr 10, 2018	Grant Deed, Transfer CLEARFIELDS TRUST (IT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on File
Deed Sale	May 1, 2020 · Amount on File
Prior Sale	Apr 10, 2018 · Amount on File
Deed Book / Page	5581 / 121
Last Transfer Date	Sep 23, 2021
Transfer Doc	0061270140
Record Updated	Jun 8, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Oct 29, 2021
Property Address	13284 JOY RD, LUSBY, MD 20657-2637
Document Number	0061270140
Book / Page	6127 / 140
Instrument Date	Sep 23, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13284 JOY RD, LUSBY, MD 20657-2637

Mortgage

Document Number	0006127148
Date	Oct 29, 2021
Instrument	6127/148

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 1, 2020
Property Address	13284 JOY RD, LUSBY, MD 20657-2637
Document Number	0055810121
Book / Page	5581 / 121
Instrument Date	Apr 27, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	ASPECT TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$912.38
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13284 JOY RD, LUSBY, MD 20657-2637

Mortgage

Document Number	0005581128
Date	May 1, 2020
Instrument	5581/128

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 10, 2018
Property Address	13284 JOY RD, LUSBY, MD 20657-2637
Document Number	0051690417
Book / Page	005169 / 000417
Instrument Date	Apr 6, 2018
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2035 PAPAS LN LUSBY MD 206572471, LUSBY, MD 20657-2471

Mortgage

Document Number	51690424
Date	Apr 10, 2018
Book Page	005169/000424

Lender

Name	CLEARFIELDS TRUST (IT)
Address	PO BOX 276, LEONARDTOWN, MD 20650-0276

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 13284 Joy Rd was $4,241.

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$4,241.00	$372,467	$394,000 Land $236,100 Building $157,900
2023	$3,422.00	$329,400 Land $236,100 Building $93,300	$329,400 Land $236,100 Building $93,300

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

Flood

FEMA maps place 13284 Joy Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 13284 Joy Rd is moderate, ranking above 53% 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 53% of the US · above 89% 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 112 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Joy Rd

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