Calvert County property record for 285 Red Cloud Rd, Lusby, MD 20657 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,008 sqft · built 1989 |
| Lot Size | 1.27 acres (55,379 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Jun 2026) |
| Tax Bill | $3,126 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-097504 |
| Primary APN | 01-097504 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,008 sqft Total Area |
| Basement Area | 504 sqft |
| Finished Basement | 504 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 55,379 sqft (1.27 acres) |
| View / Lot | Waterfront |
| Deck Area | 504 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 097504 |
|---|---|
| Street Address | 285 RED CLOUD RD |
| City | LUSBY |
| State | MD |
| Zip | 20657-2590 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 60RR SEC 2L CHES RANCH ESTS |
| Legal Subdivision | CHES RANCH ESTATES |
| Legal Lot Number | 60RR |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 861003 |
Source: Calvert County records · APN 01-097504
Assessment roll updated July 29, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 285 RED CLOUD RD, LUSBY, MD 20657-2590 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 25, 2026 | Deed, Transfer · FHA Mortgage LENDING SERVICES |
| Nov 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage C&F MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 25, 2026 · Amount on Record |
| Deed Sale | Jun 25, 2026 · Amount on Record |
| Prior Sale | Feb 14, 2007 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 6926 / 19 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 25, 2026 |
| Property Address | 285 RED CLOUD RD, LUSBY, MD 20657-2590 |
| Document Number | 6926000019 |
| Book / Page | 6926 / 19 |
| Instrument Date | Jun 18, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $378,750.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 285 RED CLOUD RD, LUSBY, MD 20657-2590 |
| Document Number | 6926000026, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 6926/26 |
| Name | LENDING SERVICES |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 285 RED CLOUD RD, LUSBY, MD 20657-2590 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | BRIDGEVIEW TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 285 RED CLOUD RD, LUSBY, MD 20657-2590 |
| Document Number | 0057530364 |
|---|---|
| Date | Nov 05, 2020 |
| Book Page | 5753/364 |
| Name | C&F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MIDLOTHIAN, VA 23113 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,126.00 (+43.2%) | $249,200 (+18.55%) | $268,700 (+27.83%) Land $59,500 Building $209,200 |
| 2023 | $2,183.00 | $210,200 Land $59,500 Building $150,700 | $210,200 Land $59,500 Building $150,700 |
Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 52% of the US · above 89% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 1,087 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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