189 Harbor Dr, Lusby, MD 20657 Property Records

Calvert County property record for 189 Harbor Dr, Lusby, MD 20657 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,512 sqft · built 1989
Lot Size	0.245 acres (10,672 sqft)
Owner	2 Individual Names on File
Last Sale	$7,000 (Mar 1988)
Tax Bill	$3,596 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-065017`

Property Details

APN / Parcel Number

Primary APN	`01-065017`
Alternative APNs	`1065017` `065017`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,672 sqft (0.245 acres)
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	065017
Street Address	189 HARBOR DR
City	LUSBY
State	MD
Zip	20657-5705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 32 BLK C SEC 4 DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	C
Legal Lot Number	32
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2000
Census Tract	861003

Owner

Source: Calvert County records · APN 01-065017

Assessment roll updated July 28, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	189 HARBOR DR, LUSBY, MD 20657-5705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 1988 · Amount on Record
Deed Sale	Mar 24, 1988 · Amount on Record
Deed Book / Page	433 / 336
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	189 HARBOR DR, LUSBY, MD 20657-5705
Document Number	0055030219
Instrument Date	Dec 04, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 HARBOR DR LUSBY MD 206575705, LUSBY, MD 20657-5705

Mortgage

Document Number	0055030219
Date	Jan 02, 2020
Book Page	005503/000219

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 28, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$319,400 (+27.4%) Land $77,800 Building $241,600	$319,400 (+27.4%) Land $77,800 Building $241,600
2025	$3,596.00 (+38.1%)
2023	$2,604.00	$250,700 Land $77,800 Building $172,900	$250,700 Land $77,800 Building $172,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240098610032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force 4 of 12 on primary residences
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985, river or lake flooding

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 88% of Maryland
Wildfire Likelihood	About 1 in 1,111 per year
Exposure	Direct burnable vegetation at the parcel

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.