Calvert County property record for 238 Harbor Dr, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,920 sqft · built 1977 |
| Lot Size | 0.549 acres (23,904 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $5,959 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-076191 |
| Primary APN | 01-076191 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,920 sqft Total Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 23,904 sqft (0.549 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 54 sqft |
| Deck Area | 440 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 076191 |
|---|---|
| Street Address | 238 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 14R BLK C SEC 4 DRUM POINT |
| Legal Subdivision | DRUM POINT |
| Legal Block | C |
| Legal Lot Number | 14R |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 861003 |
238 Harbor Dr is owner-occupied and held in a trust since October 2007.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 238 HARBOR DR, LUSBY, MD 20657-2714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2007 |
| Deed Sale | Oct 15, 2007 |
| Prior Sale | Aug 6, 2001 · Amount on File |
| Deed Document Number | 200780850 |
| Deed Book / Page | 3069 / 476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 238 HARBOR DR, LUSBY, MD 20657-2714 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0057030394 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 5703/394 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 238 Harbor Dr was $5,959 with a homeowner's exemption.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $536,700 Land $315,700 Building $221,000 | $536,700 Land $315,700 Building $221,000 | |
| 2025 | $5,959.00 | ||
| 2023 | $4,913.00 Homeowner's exemption | $472,900 Land $315,700 Building $157,200 | $472,900 Land $315,700 Building $157,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 238 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 risk around 238 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.
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.
5G (outdoors only) and 4G LTE
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