490 Cardinal Dr, Lusby, MD 20657 Property Records

Calvert County property record for 490 Cardinal Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 925 sqft · built 1975
Lot Size	0.389 acres (16,945 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Sep 2021)
Tax Bill	$3,235 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-067257`

Property Details

APN / Parcel Number

Primary APN	`01-067257`
Alternative APNs	`1067257` `067257`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	925 sqft Total Area
Basement Area	925 sqft
Finished Basement	925 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,945 sqft (0.389 acres)
Deck Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	067257
Street Address	490 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 3 BLK C SEC 4B DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	C
Legal Lot Number	3
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1017
Census Tract	861003

Owner

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 Record
Mailing Address	490 CARDINAL DR, LUSBY, MD 20657-3271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Sep 15, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 12, 2019	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Apr 12, 2019 · Amount on Record
Deed Book / Page	6081 / 118
Transfer Doc	0021170455
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	490 CARDINAL DR, LUSBY, MD 20657-3271
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065080131
Date	Nov 22, 2023
Book Page	6508/131

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 15, 2021
Property Address	490 CARDINAL DR, LUSBY, MD 20657-3271
Document Number	0060810118
Book / Page	6081 / 118
Map Reference	LB JLB 1 FO 59
Instrument Date	Aug 30, 2021
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.00
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 by the Entirety
Address	490 CARDINAL DR, LUSBY, MD 20657-3271

Mortgage

Document Number	6081123
Date	Sep 15, 2021
Instrument	6081/123

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 12, 2019
Property Address	490 CARDINAL DR, LUSBY, MD 20657-3271
Document Number	0053440145
Book / Page	5344 / 145
Map Reference	LB JLB 1 FO 59
Instrument Date	Apr 4, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	MARYLAND TRUST T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
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	490 CARDINAL DR, LUSBY, MD 20657-3271

Mortgage

Document Number	5344154
Date	Apr 12, 2019
Instrument	5344/154

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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		$299,600 (+13.92%) Land $67,200 Building $232,400	$299,600 (-) Land $67,200 Building $232,400
2025	$3,235.00 (+64.05%)	$263,000 (+38.57%)	$299,600 (+57.85%) Land $67,200 Building $232,400
2023	$1,972.00	$189,800 Land $67,200 Building $122,600	$189,800 Land $67,200 Building $122,600

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.

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 (outdoors only) and 4G LTE

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