285 Hilltop Rd, Lusby, MD 20657 Property Records

Calvert County property record for 285 Hilltop Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,284 sqft · built 1998
Lot Size	0.847 acres (36,901 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Sep 2021)
Tax Bill	$4,446 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-155865`

Property Details

APN / Parcel Number

Primary APN	`01-155865`
Alternative APNs	`1155865` `155865`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,284 sqft Total Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	36,901 sqft (0.847 acres)
Lot Dimensions	170 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	155865
Street Address	285 HILLTOP RD
City	LUSBY
State	MD
Zip	20657-5707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 29R SEC 26 DRUM POINT
Legal Subdivision	DRUM POINT
Legal Lot Number	29R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2000
Census Tract	861003

Owner

285 Hilltop Rd is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	285 HILLTOP RD, LUSBY, MD 20657-5707
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
Sep 8, 2021	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 27, 2020	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 27, 2018	Deed, Transfer · FHA Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Prior Sale	May 27, 2020 · Amount on File
Deed Book / Page	6074 / 262
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 8, 2021
Property Address	285 HILLTOP RD, LUSBY, MD 20657-5707
Document Number	0060740262
Book / Page	6074 / 262
Map Reference	MB ABE761 PL 428
Instrument Date	Sep 3, 2021
Transaction Type	Transfer
Record Updated	Sep 23, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
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	285 HILLTOP RD, LUSBY, MD 20657-5707
Investor	Possibly a Property Investor

Mortgage

Document Number	6074269
Date	Sep 8, 2021
Instrument	6074/269

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 27, 2020
Property Address	285 HILLTOP RD, LUSBY, MD 20657-5707
Document Number	0056010089
Book / Page	5601 / 89
Map Reference	LB ABE 761 FO 428
Instrument Date	May 22, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	TITLEMAX LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
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 by the Entirety
Address	285 HILLTOP RD, LUSBY, MD 20657-5707

Mortgage

Document Number	560196
Date	May 27, 2020
Instrument	5601/96

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 27, 2018
Property Address	285 HILLTOP RD, LUSBY, MD 20657-5707
Document Number	0052990432
Book / Page	5299 / 432
Map Reference	LB ABE 761 FO 428
Instrument Date	Dec 12, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	285 HILLTOP RD, LUSBY, MD 20657-5707

Mortgage

Document Number	0005299438
Date	Dec 27, 2018
Instrument	5299/438

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 285 Hilltop Rd was $4,446.

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		$412,100 Land $67,400 Building $344,700	$412,100 Land $67,400 Building $344,700
2025	$4,446.00
2023	$3,133.00	$301,600 Land $67,400 Building $234,200	$301,600 Land $67,400 Building $234,200

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

Flood

FEMA maps place 285 Hilltop Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.

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
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 285 Hilltop Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 89% of Maryland
Wildfire Likelihood	0.1% 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 173 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, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hilltop Rd

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