427 Buffalo Rd, Lusby, MD 20657 Property Records

Calvert County property record for 427 Buffalo Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,164 sqft · built 2004
Lot Size	0.302 acres (13,175 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jun 2022)
Tax Bill	$3,664 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-116835`

Property Details

APN / Parcel Number

Primary APN	`01-116835`
Alternative APNs	`1116835` `116835`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,164 sqft Total Area
Basement Area	928 sqft
Finished Basement	928 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Split Foyer
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	13,175 sqft (0.302 acres)
Porch	Slab
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	116835
Street Address	427 BUFFALO RD
City	LUSBY
State	MD
Zip	20657-5427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 23 SEC 5D CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES SUBDIVISION
Legal Lot Number	23
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1002
Census Tract	861003

Owner

427 Buffalo Rd is owned and occupied by an individual who bought it in June 2022.

Source: Calvert County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	427 BUFFALO RD, LUSBY, MD 20657-5427
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 30, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Prior Sale	May 14, 2015 · Amount on File
Deed Book / Page	6307 / 462
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	427 BUFFALO RD, LUSBY, MD 20657-5427
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054630161
Date	Oct 29, 2019
Book Page	5463/161

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 30, 2022
Property Address	427 BUFFALO RD, LUSBY, MD 20657-5427
Document Number	0063070462
Book / Page	6307 / 462
Map Reference	LB 1 FO 52
Instrument Date	Jun 29, 2022
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	PARK PLACE TITLE LLC, PARK PLACE T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
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	427 BUFFALO RD, LUSBY, MD 20657-5427

Mortgage

Document Number	0006307467
Date	Jun 30, 2022
Instrument	6307/467

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 427 Buffalo Rd was $3,664 with a homeowner's exemption.

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		$347,600 Land $55,200 Building $292,400	$347,600 Land $55,200 Building $292,400
2025	$3,664.00
2023	$2,568.00 Homeowner's exemption	$247,200 Land $55,200 Building $192,000	$247,200 Land $55,200 Building $192,000

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

Flood

FEMA maps place 427 Buffalo Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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
Nearby Flood Claims	6 (1995–2015)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jun 2015 · other causes

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 427 Buffalo Rd is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 88% of Maryland
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 169 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.

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