316 Red Cloud Rd, Lusby, MD 20657 Property Records

Calvert County property record for 316 Red Cloud Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,092 sqft · built 1992
Lot Size	0.353 acres (15,385 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,813 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-111981`

Property Details

APN / Parcel Number

Primary APN	`01-111981`
Alternative APNs	`1111981` `111981`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Total Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,385 sqft (0.353 acres)
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	111981
Street Address	316 RED CLOUD RD
City	LUSBY
State	MD
Zip	20657-2502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 30 SEC 7F CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	30
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3014
Census Tract	861003

Owner

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	316 RED CLOUD RD, LUSBY, MD 20657-2502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOPSIDE FCU
Jul 27, 2020	Deed of Trust, Mortgage · Conventional with PMI NATIONS RELIABLE LNDG
Jun 14, 2018	Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2018
Deed Sale	Jun 14, 2018
Prior Sale	Sep 3, 2010 · Amount on Record
Deed Book / Page	5204 / 338
Prior Transfer Date	Jun 6, 2018
Prior Transfer Doc	0052040338
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	316 RED CLOUD RD, LUSBY, MD 20657-2502
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063540060
Date	Oct 5, 2022
Book Page	6354/60

Lender

Name	TOPSIDE FCU
Type	Credit Union
Address	DAHLGREN, VA 22448

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Aug 19, 2037

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	316 RED CLOUD RD, LUSBY, MD 20657-2502
Document Number	0056770048
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	ALLSTATES TITLE SERVICES INC, ALLSTATES TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	316 RED CLOUD RD LUSBY MD 206572502, LUSBY, MD 20657-2502

Mortgage

Document Number	0056770048
Date	Aug 24, 2020
Book Page	005677/000048

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2050

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Jun 14, 2018
Property Address	316 RED CLOUD RD, LUSBY, MD 20657-2502
Document Number	0052040338
Book / Page	5204 / 338
Map Reference	MB JLB1 PG45
Instrument Date	Jun 6, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	316 RED CLOUD RD, LUSBY, MD 20657-2502

Mortgage

Document Number	0005204343
Date	Jun 14, 2018
Instrument	5204/343

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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		$237,200 (+7.72%) Land $55,200 Building $182,000	$237,200 (-) Land $55,200 Building $182,000
2025	$2,813.00 (+45.45%)	$220,200 (+18.26%)	$237,200 (+27.39%) Land $55,200 Building $182,000
2023	$1,934.00	$186,200 Land $55,200 Building $131,000	$186,200 Land $55,200 Building $131,000

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

Flood

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	3 in force
Nearby Flood Claims	3 (1991–2003)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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

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

Wildfire Risk	Moderate above 46% of the US · above 86% of Maryland
Wildfire Likelihood	0.08% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHESAPEAKE RANCH ESTATES private · serves 9,500 people · EPA ID MD0040004
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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