Calvert County property record for 285 Cove Dr, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,232 sqft · built 1978 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $262,500 (Feb 1998) |
| Tax Bill | $5,609 (2025) |
| Deeds & Mortgages | Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-064142 |
| Primary APN | 01-064142 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Total Area |
| Basement Area | 914 sqft |
| Finished Basement | 914 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 220 sqft |
| Deck Area | 200 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 064142 |
|---|---|
| Street Address | 285 COVE DR |
| City | LUSBY |
| State | MD |
| Zip | 20657-2708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT 4 BLK A SEC 24 DRUM POINT |
| Legal Block | A |
| Legal Lot Number | 4 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 861003 |
Source: Calvert County records, as of July 28, 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 | 285 COVE DR, LUSBY, MD 20657-2708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 1998 · Amount on Record |
| Deed Sale | Feb 20, 1998 · Amount on Record |
| Deed Document Number | 19981736 |
| Deed Book / Page | 1022 / 197 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 285 COVE DR, LUSBY, MD 20657-2708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | MORTGAGE INFORMATION SERVICE |
| Name | Verified Name |
|---|
| Document Number | 0052100223 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 5210/223 |
| Name | CONSTELLATION FCU |
|---|---|
| Type | Credit Union |
| Address | RESTON, VA 20190 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 24, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $509,600 (+18.51%) Land $223,100 Building $286,500 | $509,600 (+18.51%) Land $223,100 Building $286,500 | |
| 2025 | $5,609.00 (+25.57%) | ||
| 2023 | $4,467.00 | $430,000 Land $223,100 Building $206,900 | $430,000 Land $223,100 Building $206,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 89% of Maryland |
|---|---|
| Wildfire Likelihood | 0.08% 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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