Calvert County property record for 420 Lake Ter, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,552 sqft · built 2005 |
| Lot Size | 0.242 acres (10,542 sqft) |
| Owner | Individual Name on File |
| Last Sale | $490,000 (May 2023) |
| Tax Bill | $3,922 (2023) |
| Deeds & Mortgages | May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-064568 |
| Primary APN | 01-064568 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,552 sqft Total Area |
| 1st Floor Area | 1,326 sqft |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 10,542 sqft (0.242 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 064568 |
|---|---|
| Old Parcel Number | 1064568 |
| Street Address | 420 LAKE TER |
| City | LUSBY |
| State | MD |
| Zip | 20657-3226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT 10 BLK R SEC 19 DRUM POINT |
| Legal Subdivision | DRUM POINT |
| Legal Block | R |
| Legal Lot Number | 10 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 861003 |
420 Lake Ter is owned by an individual who bought it in May 2023.
Source: Calvert County records, as of September 18, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12106 CLIFFTONDALE DR, SILVER SPRING, MD 20904-1940 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2023 · Amount on File |
| Deed Sale | May 12, 2023 · Amount on File |
| Prior Sale | Jul 28, 2004 |
| Deed Document Number | 0006433105 |
| Deed Book / Page | 6433 / 105 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | May 12, 2023 |
| Property Address | 420 LAKE TER, LUSBY, MD 20657-3226 |
| Document Number | 0064330105 |
| Book / Page | 6433 / 105 |
| Map Reference | MB AWR 1 PG 38 |
| Instrument Date | May 9, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2023 |
| Title Company | LIGHTHOUSE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12106 CLIFFTONDALE DR, SILVER SPRING, MD 20904-1940 |
| Document Number | 0006433110 |
|---|---|
| Date | May 12, 2023 |
| Instrument | 6433/110 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
Source: Calvert County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,922.00 | $377,500 Land $114,800 Building $262,700 | $377,500 Land $114,800 Building $262,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 420 Lake Ter in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 risk around 420 Lake Ter is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 75% of Maryland |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: IQ Fiber, Verizon.
4G LTE only, no 5G reported
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