478 Yuma Trl, Lusby, MD 20657 Property Records

Calvert County property record for 478 Yuma Trl, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,890 sqft · built 2002
Lot Size	1.11 acres (48,462 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Dec 2009)
Tax Bill	$3,757 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-124668`

Property Details

APN / Parcel Number

Primary APN	`01-124668`
Alternative APNs	`1124668` `124668`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,890 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	48,462 sqft (1.11 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	124668
Street Address	478 YUMA TRL
City	LUSBY
State	MD
Zip	20657-3492
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 8R SEC 7D CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCII ESTATES
Legal Lot Number	8R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1000
Census Tract	861003

Owner

478 Yuma Trl is owned and occupied by two individuals who bought it in December 2009.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	478 YUMA TRL, LUSBY, MD 20657-3492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 25, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2009 · Amount on File
Deed Sale	Dec 22, 2009 · Amount on File
Prior Sale	Dec 9, 2002 · Amount on File
Deed Document Number	2009101019
Deed Book / Page	3428 / 1
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	478 YUMA TRL, LUSBY, MD 20657-3492
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057450050
Date	Oct 28, 2020
Book Page	5745/50

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Dec 1, 2046

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	478 YUMA TRL, LUSBY, MD 20657-3492
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062860245
Date	May 25, 2022
Book Page	6286/245

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	297 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 478 Yuma Trl was $3,757.

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		$337,300 Land $55,200 Building $282,100	$337,300 Land $55,200 Building $282,100
2025	$3,757.00
2023	$2,580.00	$248,400 Land $55,200 Building $193,200	$248,400 Land $55,200 Building $193,200

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

Flood

FEMA maps place 478 Yuma Trl 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 478 Yuma Trl is moderate, ranking above 51% 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 51% of the US · above 88% 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.

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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

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

Cell Coverage

5G and 4G LTE (outdoors only)

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