198 Harbor Dr, Lusby, MD 20657 Property Records

Calvert County property record for 198 Harbor Dr, Lusby, MD 20657 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,706 sqft · built 1969
Lot Size	0.342 acres (14,912 sqft)
Owner	Trust Name on File
Tax Bill	$6,150 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-065718`

Property Details

APN / Parcel Number

Primary APN	`01-065718`
Alternative APNs	`1065718` `065718`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,706 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,912 sqft (0.342 acres)
View / Lot	Waterfront
Garage Type	Built-in
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	216 sqft
Deck Area	445 sqft
Boat Access	Boat Access
Boat House	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	065718
Street Address	198 HARBOR DR
City	LUSBY
State	MD
Zip	20657-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 24 BLK C SEC 4 & ADJ PAR DRUM POINT
Legal Subdivision	DRUM PT BCH
Legal Block	C
Legal Lot Number	24
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 01-065718

Assessment roll updated July 29, 2025 · Last verified April 2026

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

Owner of Record	Trust Name on File
Mailing Address	198 HARBOR DR, LUSBY, MD 20657-2703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 12, 2006
Deed Sale	Jun 12, 2006
Prior Sale	Jan 12, 1995 · Amount on Record
Deed Document Number	200663924
Deed Book / Page	2776 / 600
Prior Transfer Date	May 11, 2006
Prior Transfer Doc	KPS027760600
Record Updated	Jun 08, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	198 HARBOR DR, LUSBY, MD 20657-2703
Document Number	0049630380
Instrument Date	Mar 01, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	198 HARBOR DR LUSBY MD 206572703, LUSBY, MD 20657-2703

Mortgage

Document Number	0049630380
Date	Mar 23, 2017
Book Page	004963/000380

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified April 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
2025	$6,150.00 (+21.9%) Homeowner's exemption	$533,133 (+9.79%)	$556,900 (+14.68%) Land $309,400 Building $247,500
2023	$5,045.00 Homeowner's exemption	$485,600 Land $309,400 Building $176,200	$485,600 Land $309,400 Building $176,200

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 100 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	Low above 34% of the US · above 72% of Maryland
Wildfire Likelihood	About 1 in 2,564 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.