459 Cardinal Dr, Lusby, MD 20657 Property Records

Calvert County property record for 459 Cardinal Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,288 sqft · built 1990
Lot Size	0.554 acres (24,132 sqft)
Owner	Individual Name on File
Last Sale	$147,900 (Jul 2001)
Tax Bill	$3,191 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Nov 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-176455`

Property Details

APN / Parcel Number

Primary APN	`01-176455`
Alternative APNs	`1176455` `176455`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Total Area
Basement Area	644 sqft
Finished Basement	644 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,132 sqft (0.554 acres)
Porch	Slab
Porch Area	180 sqft
Deck Area	460 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	176455
Street Address	459 CARDINAL DR
City	LUSBY
State	MD
Zip	20657-3271
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 1 BLK B SEC 4B DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	B
Legal Lot Number	1
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1016
Census Tract	861003

Owner

459 Cardinal Dr is owned and occupied by an individual who acquired it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	459 CARDINAL DR, LUSBY, MD 20657-3271
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
Feb 27, 2020	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Nov 18, 2019	Intrafamily Transfer, Transfer ACCOMMODATION
Dec 27, 2016	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2001 · Amount on File
Deed Sale	Jul 11, 2001 · Amount on File
Prior Sale	Dec 6, 2000
Deed Document Number	200120067
Deed Book / Page	1412 / 637
Last Transfer Date	Nov 13, 2019
Transfer Doc	0054760069
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	459 CARDINAL DR, LUSBY, MD 20657-3271
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055370095
Date	Feb 27, 2020
Book Page	5537/95

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Nov 18, 2019
Property Address	459 CARDINAL DR, LUSBY, MD 20657-3271
Document Number	0054760069
Book / Page	5476 / 069
Map Reference	MB JLB 1 PG 59
Instrument Date	Nov 13, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	459 CARDINAL DR, LUSBY, MD 20657-3271

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	459 CARDINAL DR, LUSBY, MD 20657-3271
Document Number	0049350373
Book / Page	004935 / 000373
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 CARDINAL DR LUSBY MD 206573271, LUSBY, MD 20657-3271

Mortgage

Document Number	0049350373
Date	Feb 2, 2017
Book Page	004935/000373

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 459 Cardinal Dr was $3,191.

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		$279,000 (+7.75%) Land $67,300 Building $211,700	$279,000 (-) Land $67,300 Building $211,700
2025	$3,191.00	$258,933	$279,000 Land $67,300 Building $211,700
2023	$2,273.00	$218,800 Land $67,300 Building $151,500	$218,800 Land $67,300 Building $151,500

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

Flood

FEMA maps place 459 Cardinal Dr 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 459 Cardinal Dr is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 87% of Maryland
Wildfire Likelihood	0.1% 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: IQ Fiber, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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