213 Binnacle Ct, Lusby, MD 20657 Property Records

Calvert County property record for 213 Binnacle Ct, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,196 sqft · built 1998
Lot Size	0.671 acres (29,236 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Aug 2026)
Tax Bill	$4,331 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-156411`

Property Details

APN / Parcel Number

Primary APN	`01-156411`
Alternative APNs	`1156411` `156411`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,196 sqft Total Area
Basement Area	522 sqft
Finished Basement	522 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	29,236 sqft (0.671 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	130 sqft
Deck Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	156411
Street Address	213 BINNACLE CT
City	LUSBY
State	MD
Zip	20657-2698
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 68R SEC 1-T CHES RANCH ESTS
Legal Subdivision	CHES RANCH ESTATES
Legal Lot Number	68R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3015
Census Tract	860901

Owner

Source: Calvert County records, as of August 25, 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 Record
Mailing Address	213 BINNACLE CT, LUSBY, MD 20657-2698
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORPORATION
Apr 12, 2017	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Dec 21, 2021	Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE
Dec 21, 2021	Deed, Transfer NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC
Oct 5, 2020	Grant Deed, Transfer · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2026 · Amount on Record
Deed Sale	Aug 12, 2026 · Amount on Record
Prior Sale	Dec 21, 2021 · Amount on Record
Deed Document Number	2026
Deed Book / Page	6947 / 386
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 12, 2026
Property Address	213 BINNACLE CT, LUSBY, MD 20657-2698
Document Number	6947000386
Book / Page	6947 / 386
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$499,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 BINNACLE CT, LUSBY, MD 20657-2698

Mortgage

Document Number	6947000394,
Date	Aug 12, 2026
Book Page	6947/394

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	213 BINNACLE CT, LUSBY, MD 20657-2698
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049740286
Date	Apr 12, 2017
Book Page	4974/286

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 1, 2042

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 21, 2021
Property Address	213 BINNACLE CT, LUSBY, MD 20657-2698
Document Number	0061770046
Book / Page	6177 / 46
Map Reference	LB 973 FO 444
Instrument Date	Dec 20, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$899.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	213 BINNACLE CT, LUSBY, MD 20657-2698

Mortgage

Document Number	0000617752
Date	Dec 21, 2021
Instrument	6177/52

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 21, 2021
Property Address	213 BINNACLE CT, LUSBY, MD 20657-2698
Document Number	0061770040
Book / Page	6177 / 40
Map Reference	LB 973 FO 444
Instrument Date	Nov 6, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$1,799.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 5, 2020
Property Address	213 BINNACLE CT, LUSBY, MD 20657-2698
Document Number	0057190339
Book / Page	005719 / 000339
Instrument Date	Sep 23, 2020
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$324.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 BINNACLE CT LUSBY MD 206572698, LUSBY, MD 20657-2698

Mortgage

Document Number	57190341
Date	Oct 5, 2020
Book Page	005719/000341

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2050

Tax Assessment & Valuation

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		$392,300 (+8.71%) Land $68,100 Building $324,200	$392,300 (-) Land $68,100 Building $324,200
2025	$4,331.00 (+39.89%)	$360,867 (+21.1%)	$392,300 (+31.64%) Land $68,100 Building $324,200
2023	$3,096.00	$298,000 Land $68,100 Building $229,900	$298,000 Land $68,100 Building $229,900

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

Flood

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

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

Wildfire Risk	Moderate above 51% of the US · above 88% of Maryland
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHESAPEAKE RANCH ESTATES private · serves 9,500 people · EPA ID MD0040004
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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