468 Cardinal Dr, Lusby, MD 20657 Property Records

Calvert County property record for 468 Cardinal Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,288 sqft · built 1989
Lot Size	0.398 acres (17,337 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (Dec 2020)
Tax Bill	$3,111 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-062077`

Property Details

APN / Parcel Number

Primary APN	`01-062077`
Alternative APNs	`1062077` `062077`

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 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,337 sqft (0.398 acres)
Porch	Slab
Porch Area	180 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	062077
Street Address	468 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 5 BLK C SEC 4B DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	C
Legal Lot Number	5
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1017
Census Tract	861003

Owner

468 Cardinal Dr is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	468 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
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Dec 11, 2020	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	May 13, 1998 · Amount on File
Deed Book / Page	5790 / 216
Prior Transfer Date	May 4, 2012
Prior Transfer Doc	0039350268
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	468 CARDINAL DR, LUSBY, MD 20657-3271
Transaction Type	Mortgage
Record Updated	May 6, 2024
Title Company	COUNSEL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	468 CARDINAL DR, LUSBY, MD 20657-3271

Mortgage

Document Number	0065580139
Date	Apr 23, 2024
Book Page	6558/139

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	CALIFORNIA, MD 20619

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 11, 2020
Property Address	468 CARDINAL DR, LUSBY, MD 20657-3271
Document Number	0057900216
Book / Page	5790 / 216
Map Reference	MB JLB 1 PG 59
Instrument Date	Dec 3, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	INTERSTATE T&E LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	468 CARDINAL DR, LUSBY, MD 20657-3271

Mortgage

Document Number	5790224
Date	Dec 11, 2020
Instrument	5790/224

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 468 Cardinal Dr was $3,111.

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		$270,800 (+7.67%) Land $67,200 Building $203,600	$270,800 (-) Land $67,200 Building $203,600
2025	$3,111.00	$251,500	$270,800 Land $67,200 Building $203,600
2023	$2,212.00	$212,900 Land $67,200 Building $145,700	$212,900 Land $67,200 Building $145,700

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

Flood

FEMA maps place 468 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 468 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)

Nearby Properties on Cardinal Dr

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