202 Harbor Dr, Lusby, MD 20657 Property Records

Calvert County property record for 202 Harbor Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,245 sqft · built 1995
Lot Size	0.3 acres (13,068 sqft)
Owner	Trust Name on File
Tax Bill	$8,773 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-072854`

Property Details

APN / Parcel Number

Primary APN	`01-072854`
Alternative APNs	`1072854` `072854`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,245 sqft Total Area
Basement Area	1,243 sqft
Finished Basement	1,243 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
View / Lot	Waterfront
Garage Type	Basement
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	74 sqft
Deck Area	100 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	072854
Street Address	202 HARBOR DR
City	LUSBY
State	MD
Zip	20657-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 23 BLK C SEC 4 DRUM POINT
Legal Subdivision	SECTION 4 DRUM POINT BEACH
Legal Block	C
Legal Lot Number	23
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2000
Census Tract	861003

Owner

202 Harbor Dr is owner-occupied and held in a trust since November 2021.

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

Owner of Record	Trust Name on File
Mailing Address	202 HARBOR DR, LUSBY, MD 20657-2714
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 24, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 19, 2021
Transfer Doc	0061540159
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	202 HARBOR DR, LUSBY, MD 20657-2714
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 HARBOR DR, LUSBY, MD 20657-2714

Mortgage

Document Number	0062670194
Date	Apr 22, 2022
Book Page	6267/194

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 18, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Nov 24, 2021
Property Address	202 HARBOR DR, LUSBY, MD 20657-2714
Document Number	0061540159
Book / Page	6154 / 159
Map Reference	MB AWR 1 FO 3
Instrument Date	Nov 19, 2021
Transaction Type	Transfer
Record Updated	Dec 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	202 HARBOR DR, LUSBY, MD 20657-2714

Tax Assessment & Valuation

The 2025 property tax bill for 202 Harbor Dr was $8,773 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		$826,400 (+6.46%) Land $307,800 Building $518,600	$826,400 (-) Land $307,800 Building $518,600
2025	$8,773.00 Homeowner's exemption	$776,267	$826,400 Land $307,800 Building $518,600
2023	$7,023.00 Homeowner's exemption	$676,000 Land $307,800 Building $368,200	$676,000 Land $307,800 Building $368,200

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

Flood

FEMA maps place 202 Harbor Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · river or lake flooding

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 202 Harbor Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.04% 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 164 locations within half a mile, as of December 31, 2025

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

May also be available: IQ Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures