245 Laurel Dr, Lusby, MD 20657 Property Records

Calvert County property record for 245 Laurel Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1991
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jun 2026)
Tax Bill	$2,242 (2025)
Deeds & Mortgages	May 2021 Second Mortgage Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-060783`

Property Details

APN / Parcel Number

Primary APN	`01-060783`
Alternative APNs	`1060783` `060783`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Total Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,500 sqft (0.149 acres)
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	060783
Street Address	245 LAUREL DR
City	LUSBY
State	MD
Zip	20657-4324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 3 BLK 19 PLAT 8 WHITE SANDS
Legal Subdivision	PLAT8 WHITE SANDS
Legal Block	19
Legal Lot Number	3
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1032
Census Tract	860902

Owner

245 Laurel Dr is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	245 LAUREL DR, LUSBY, MD 20657-4324
Occupancy	Owner Occupied
Owner Type	Individual

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
May 20, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BRANCH BANKING AND TRUST CO
Jun 8, 2026	Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Oct 16, 2023	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Jan 3, 2018	Loan Modification, Mortgage · Conventional Mortgage BRANCH BK&TR
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Prior Sale	Oct 16, 2023 · Amount on File
Deed Book / Page	6914 / 332
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	245 LAUREL DR, LUSBY, MD 20657-4324
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 LAUREL DR, LUSBY, MD 20657-4324

Mortgage

Document Number	0059670464
Date	May 20, 2021
Book Page	5967/464

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	GREENVILLE, SC 29607

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 8, 2026
Property Address	245 LAUREL DR, LUSBY, MD 20657-4324
Document Number	6914000332
Book / Page	6914 / 332
Instrument Date	Mar 30, 2026
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	STONECREST TITLE AND ESCROW, STONESTREET TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 LAUREL DR, LUSBY, MD 20657-4324

Mortgage

Document Number	6914000340,
Date	Jun 8, 2026
Book Page	6914/340

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 16, 2023
Property Address	245 LAUREL DR, LUSBY, MD 20657-4324
Document Number	0064940474
Book / Page	6494 / 474
Map Reference	LB JLB 1 FO 10A
Instrument Date	Oct 10, 2023
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	245 LAUREL DR, LUSBY, MD 20657-4324

Mortgage

Document Number	0006494483
Date	Oct 16, 2023
Instrument	6494/483

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Mortgage

Document Number	0064940502
Date	Oct 16, 2023
Book Page	6494/502

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALVERT MD
Property Address	245 LAUREL DR, LUSBY, MD 20657-4324
Document Number	0051300263
Instrument Date	Jan 3, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	245 LAUREL DR LUSBY MD 206574324, LUSBY, MD 20657-4324

Mortgage

Document Number	0051300263
Date	Jan 16, 2018
Book Page	005130/000263

Lender

Name	BRANCH BK&TR
Type	Bank
Address	GREENVILLE, SC 29601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	245 LAUREL DR, LUSBY, MD 20657-4324
Document Number	0051300236
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 LAUREL DR LUSBY MD 206574324, LUSBY, MD 20657-4324

Mortgage

Document Number	0051300236
Date	Jan 16, 2018
Book Page	005130/000236

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 245 Laurel Dr was $2,242.

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		$201,500 (+7.64%) Land $71,800 Building $129,700	$201,500 (-) Land $71,800 Building $129,700
2025	$2,242.00	$187,200	$201,500 Land $71,800 Building $129,700
2023	$1,647.00	$158,600 Land $71,800 Building $86,800	$158,600 Land $71,800 Building $86,800

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

Flood

FEMA maps place 245 Laurel Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force

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 245 Laurel Dr is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 85% of Maryland
Wildfire Likelihood	0.07% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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