417 Harbor Dr, Lusby, MD 20657 Property Records

Calvert County property record for 417 Harbor Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,602 sqft · built 1961
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$268,000 (Oct 2020)
Tax Bill	$3,342 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-183923`

Property Details

APN / Parcel Number

Primary APN	`01-183923`
Alternative APNs	`1183923` `183923`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,602 sqft Total Area
Basement Area	2,400 sqft
Unfinished Basement	2,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)

Exterior Amenities

Porch	Slab
Porch Area	512 sqft
Patio Area	52 sqft
Shed	1 Shed
Shed Area	2,400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	183923
Street Address	417 HARBOR DR
City	LUSBY
State	MD
Zip	20657-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 2 417 HARBOR DR ADJ HARBOR LIGHT BEACH
Legal Subdivision	HARBOR LIGHT SUBDIVISION
Legal Lot Number	2
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2011
Census Tract	861003

Owner

417 Harbor Dr is owned and occupied by an individual who bought it in October 2020.

Source: Calvert County records, as of April 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	417 HARBOR DR, LUSBY, MD 20657-2722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Oct 29, 2020	Deed, Transfer · USDA Mortgage CALIBER HOME LOANS INC
Jul 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2020 · Amount on File
Deed Sale	Oct 29, 2020 · Amount on File
Prior Sale	Nov 7, 1995 · Amount on File
Deed Book / Page	5746 / 333
Prior Transfer Date	Jun 27, 2019
Prior Transfer Doc	0053880002
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	Apr 2, 2026
Property Address	417 HARBOR DR, LUSBY, MD 20657-2722
Document Number	6879000120
Book / Page	6879 / 120
Instrument Date	Mar 28, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AVENUE 365 LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	417 HARBOR DR, LUSBY, MD 20657-2722

Mortgage

Document Number	6879000120,
Date	Apr 2, 2026
Book Page	6879/120

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 29, 2020
Property Address	417 HARBOR DR, LUSBY, MD 20657-2722
Document Number	0057460333
Book / Page	5746 / 333
Map Reference	LB ABE 283 FO 489
Instrument Date	Sep 28, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	MARYLAND TRUST T&E LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.00
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 in Severalty
Address	417 HARBOR DR, LUSBY, MD 20657-2722

Mortgage

Document Number	5746344
Date	Oct 29, 2020
Instrument	5746/344

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 3, 2019
Property Address	417 HARBOR DR, LUSBY, MD 20657-2722
Document Number	0053880002
Book / Page	005388 / 000002
Instrument Date	Jun 27, 2019
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 HARBOR DR LUSBY MD 206572722, LUSBY, MD 20657-2722

Tax Assessment & Valuation

The 2025 property tax bill for 417 Harbor Dr was $3,342.

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$3,342.00	$289,167	$303,800 Land $139,000 Building $164,800
2023	$2,700.00	$259,900 Land $139,000 Building $120,900	$259,900 Land $139,000 Building $120,900

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

Flood

FEMA maps place 417 Harbor Dr 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 417 Harbor Dr is moderate, ranking above 45% of the US, with a 0.07% annual chance of 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	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 105 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

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