407 Laurel Dr, Lusby, MD 20657 Property Records

Calvert County property record for 407 Laurel Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,640 sqft · built 2005
Lot Size	0.18 acres (7,873 sqft)
Owner	Individual Name on Record
Last Sale	$157,000 (Jul 2017)
Tax Bill	$2,310 (2023)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-058215`

Property Details

APN / Parcel Number

Primary APN	`01-058215`
Alternative APNs	`1058215` `058215`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,640 sqft Total Area
1st Floor Area	950 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	7,873 sqft (0.18 acres)
Garage Type	Built-in
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	058215
Old Parcel Number	1058215
Street Address	407 LAUREL DR
City	LUSBY
State	MD
Zip	20657-4328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 8 BLK 12 PLAT 4 WHITE SANDS
Legal Subdivision	WHITE SANDS
Legal Block	12
Legal Lot Number	8
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1036
Census Tract	860902

Owner

Source: Calvert County records, as of September 18, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	407 LAUREL DR, LUSBY, MD 20657-4328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE CORP
Nov 1, 2017	Deed of Trust, Mortgage THE STATE OF MARYLAND
Jul 31, 2017	Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Prior Sale	Nov 20, 2007 · Amount on Record
Deed Document Number	180268
Deed Book / Page	5036 / 240
Record Updated	Jun 7, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	407 LAUREL DR, LUSBY, MD 20657-4328
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	BUYERS TITLE, BUYERS TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 LAUREL DR, LUSBY, MD 20657-4328

Mortgage

Document Number	0063370327
Date	Sep 2, 2022
Book Page	6337/327

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	407 LAUREL DR, LUSBY, MD 20657-4328
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050890400
Date	Nov 1, 2017
Book Page	5089/400

Lender

Name	THE STATE OF MARYLAND
Type	Non-Lending Institution
Address	LANHAM, MD 20706

Agreement

Amount	Amount Recorded

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 31, 2017
Property Address	407 LAUREL DR, LUSBY, MD 20657-4328
Document Number	0050360240
Book / Page	5036 / 240
Map Reference	LB AWR1 FO56
Instrument Date	Jul 21, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MASTER TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Address	407 LAUREL DR, LUSBY, MD 20657-4328

Mortgage

Document Number	0005036245
Date	Jul 31, 2017
Instrument	5036/245

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$2,310.00 Homeowner's exemption	$222,400 Land $72,900 Building $149,500	$222,400 Land $72,900 Building $149,500

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 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.06% 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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