491 Comstock Dr, Lusby, MD 20657 Property Records

Calvert County property record for 491 Comstock Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,132 sqft · built 1968
Lot Size	0.425 acres (18,520 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,756 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-081128`

Property Details

APN / Parcel Number

Primary APN	`01-081128`
Alternative APNs	`1081128` `081128`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,132 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,520 sqft (0.425 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	081128
Street Address	491 COMSTOCK DR
City	LUSBY
State	MD
Zip	20657-3311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 4R SEC 2-J 491 COMSTOCK DRIVE CHES RANCH ESTS
Legal Subdivision	THE CHESAPEAKE RANCH ESTATES
Legal Lot Number	4R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1000
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 File
Mailing Address	491 COMSTOCK DR, LUSBY, MD 20657-3311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit CEDAR POINT FCU
Oct 27, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 16, 2024
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	491 COMSTOCK DR, LUSBY, MD 20657-3311
Transaction Type	Mortgage
Record Updated	Feb 23, 2026
Title Company	UNKNOWN, BLUE CRAB T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068510094
Date	Feb 4, 2026
Book Page	6851/94

Lender

Name	CEDAR POINT FCU
Type	Credit Union
Address	LEXINGTON PARK, MD 20653

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 3, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Oct 27, 2025
Property Address	491 COMSTOCK DR, LUSBY, MD 20657-3311
Document Number	0068060380
Book / Page	6806 / 380
Map Reference	LB ABE 560 FO 329
Instrument Date	Oct 23, 2025
Transaction Type	Transfer
Record Updated	Nov 10, 2025

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 by the Entirety
Address	491 COMSTOCK DR, LUSBY, MD 20657-3311

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		$329,200 (+7.02%) Land $69,000 Building $260,200	$329,200 (-) Land $69,000 Building $260,200
2025	$3,756.00 (+36.73%)	$307,600 (+16.34%)	$329,200 (+24.51%) Land $69,000 Building $260,200
2023	$2,747.00	$264,400 Land $69,000 Building $195,400	$264,400 Land $69,000 Building $195,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 51% of the US · above 88% of Maryland
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 67 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

May also be available: IQ Fiber.

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