Calvert County property record for 440 Coster Rd, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,576 sqft · built 2022 |
| Lot Size | 1.34 acres (58,370 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,720 (2025) |
| Deeds & Mortgages | Dec 2021 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-007602 |
| Primary APN | 01-007602 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,576 sqft Total Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 58,370 sqft (1.34 acres) |
| Porch | Open Porch |
| Porch Area | 440 sqft |
| Heating System | Heat Pump |
|---|---|
| Sewer | Connected |
| Account Number | 007602 |
|---|---|
| Street Address | 440 COSTER RD |
| City | LUSBY |
| State | MD |
| Zip | 20657-2910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 1.34 AC 440 COSTER RD LUSBY |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 860901 |
Source: Calvert County records, as of July 28, 2026
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 | 440 COSTER RD, LUSBY, MD 20657-2910 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2008 |
| Deed Sale | Jan 15, 2008 |
| Deed Document Number | 200881459 |
| Deed Book / Page | 3107 / 665 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 440 COSTER RD, LUSBY, MD 20657-2910 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 440 COSTER RD, LUSBY, MD 20657-2910 |
| Document Number | 0061580178 |
|---|---|
| Date | Dec 1, 2021 |
| Book Page | 6158/178 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 9.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $544,200 (+23.6%) Land $124,800 Building $419,400 | $544,200 (+23.6%) Land $124,800 Building $419,400 | |
| 2025 | $5,720.00 (+25.05%) | ||
| 2023 | $4,574.00 | $440,300 Land $124,800 Building $315,500 | $440,300 Land $124,800 Building $315,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 89% of Maryland |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 49 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 |
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