345 Laurel Dr, Lusby, MD 20657 Property Records

Calvert County property record for 345 Laurel Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 1986
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jun 2023)
Tax Bill	$2,332 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-058789`

Property Details

APN / Parcel Number

Primary APN	`01-058789`
Alternative APNs	`1058789` `058789`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,500 sqft (0.149 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	058789
Street Address	345 LAUREL DR
City	LUSBY
State	MD
Zip	20657-4326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 26 BLK 13 PLAT 4 WHITE SANDS
Legal Subdivision	PLAT 4 WHITE SANDS
Legal Block	13
Legal Lot Number	26
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1035
Census Tract	860902

Owner

Source: Calvert County records, as of August 25, 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	345 LAUREL DR, LUSBY, MD 20657-4326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Prior Sale	Jun 20, 2012 · Amount on Record
Deed Book / Page	6451 / 2
Prior Transfer Date	Dec 8, 2006
Prior Transfer Doc	KPS029150436
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 27, 2023
Property Address	345 LAUREL DR, LUSBY, MD 20657-4326
Document Number	0064510002
Book / Page	6451 / 2
Map Reference	LB AWR 1 FO 56
Instrument Date	Jun 20, 2023
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	345 LAUREL DR, LUSBY, MD 20657-4326

Mortgage

Document Number	0000645111
Date	Jun 27, 2023
Instrument	6451/11

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	0064510030
Date	Jun 27, 2023
Book Page	6451/30

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	LUSBY, MD 20657

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$213,200 (+9.04%) Land $71,800 Building $141,400	$213,200 (-) Land $71,800 Building $141,400
2025	$2,332.00 (+40.14%)	$195,533 (+22.06%)	$213,200 (+33.08%) Land $71,800 Building $141,400
2023	$1,664.00 (+2.78%)	$160,200 (+2.78%) Land $71,800 Building $88,400	$160,200 (-) Land $71,800 Building $88,400
2022	$1,619.00	$155,867	$160,200 Land $71,800 Building $88,400

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	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

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.

Drinking Water

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

Water System	WHITE SANDS serves 82 people · EPA ID MD0040017
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2024) 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 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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