428 Buffalo Rd, Lusby, MD 20657 Property Records

Calvert County property record for 428 Buffalo Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,296 sqft · built 1992
Lot Size	0.403 acres (17,561 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Aug 2026)
Tax Bill	$3,408 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-077635`

Property Details

APN / Parcel Number

Primary APN	`01-077635`
Alternative APNs	`1077635` `077635`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	17,561 sqft (0.403 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	077635
Street Address	428 BUFFALO RD
City	LUSBY
State	MD
Zip	20657-3415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 16 SEC 5D CHES RANCH ESTS
Legal Subdivision	CHES RANCH ESTATES
Legal Lot Number	16
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1000
Census Tract	861003

Owner

Source: Calvert County records, as of October 19, 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	428 BUFFALO RD, LUSBY, MD 20657-3415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Nov 7, 2022	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 1, 2022	Deed, Transfer LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Nov 7, 2022 · Amount on Record
Deed Book / Page	6957 / 206
Transfer Doc	0000054029
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 27, 2026
Property Address	428 BUFFALO RD, LUSBY, MD 20657-3415
Document Number	6957000206
Book / Page	6957 / 206
Instrument Date	Jul 31, 2026
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	COUNSEL TITLE LLC, COUNSEL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$323,200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	428 BUFFALO RD, LUSBY, MD 20657-3415

Mortgage

Document Number	6957000214,
Date	Aug 27, 2026
Book Page	6957/214

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

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

Mortgage

Document Number	6957000243,
Date	Aug 27, 2026
Book Page	6957/243

Lender

Name	DEPARTMENT OF HOUSING AND COM

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 7, 2022
Property Address	428 BUFFALO RD, LUSBY, MD 20657-3415
Document Number	0063680047
Book / Page	6368 / 47
Map Reference	MB JLB 1 FO 52
Instrument Date	Oct 12, 2022
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$832.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	428 BUFFALO RD, LUSBY, MD 20657-3415

Mortgage

Document Number	0000636858
Date	Nov 7, 2022
Instrument	6368/58

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 1, 2022
Property Address	428 BUFFALO RD, LUSBY, MD 20657-3415
Document Number	0062290384
Book / Page	6229 / 384
Map Reference	JLB 1 FO 52
Instrument Date	Feb 10, 2022
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,000.00
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	11201 LAKEVIEW DR, DUNKIRK, MD 20754-9744

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		$308,800 (+12.14%) Land $55,200 Building $253,600	$308,800 (-) Land $55,200 Building $253,600
2025	$3,408.00 (+57.34%)	$275,367 (+32.07%)	$308,800 (+48.11%) Land $55,200 Building $253,600
2023	$2,166.00	$208,500 Land $55,200 Building $153,300	$208,500 Land $55,200 Building $153,300

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
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

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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