521 Barnacle Ln, Lusby, MD 20657 Property Records

Calvert County property record for 521 Barnacle Ln, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,476 sqft · built 1996
Lot Size	0.194 acres (8,460 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Oct 2020)
Tax Bill	$3,463 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-055046`

Property Details

APN / Parcel Number

Primary APN	`01-055046`
Alternative APNs	`1055046` `055046`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,476 sqft Total Area
Basement Area	627 sqft
Finished Basement	627 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,460 sqft (0.194 acres)
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	055046
Street Address	521 BARNACLE LN
City	LUSBY
State	MD
Zip	20657-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 2 BLK 4 PLAT 2 WHITE SANDS
Legal Subdivision	WHITE SANDS PLAT NUMBER TWO
Legal Block	4
Legal Lot Number	2
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1026
Census Tract	860902

Owner

521 Barnacle Ln is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	521 BARNACLE LN, LUSBY, MD 20657-2105
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
Oct 19, 2020	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Sep 29, 2017	Grant Deed, Transfer · VA Mortgage FIRST HM MTG CORP
Apr 3, 2017	Grant Deed, Transfer PREMIUM TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on File
Deed Sale	Oct 19, 2020 · Amount on File
Prior Sale	Sep 20, 2017 · Amount on File
Deed Book / Page	5733 / 6
Record Updated	Oct 29, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 19, 2020
Property Address	521 BARNACLE LN, LUSBY, MD 20657-2105
Document Number	0057330006
Book / Page	5733 / 6
Map Reference	MB 1 FO 37
Instrument Date	Sep 29, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$725.00
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	521 BARNACLE LN, LUSBY, MD 20657-2105

Mortgage

Document Number	573313
Date	Oct 19, 2020
Instrument	5733/13

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 29, 2017
Property Address	521 BARNACLE LN, LUSBY, MD 20657-2105
Document Number	0050650034
Book / Page	005065 / 000034
Instrument Date	Sep 1, 2017
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	INTRUST TITLE AND ESCROW LLC, INTRUST TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 BARNACLE LN LUSBY MD 206572105, LUSBY, MD 20657-2105

Mortgage

Document Number	50650040
Date	Sep 29, 2017
Book Page	005065/000040

Lender

Name	FIRST HM MTG CORP
Address	BALTIMORE, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2047

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 3, 2017
Property Address	521 BARNACLE LN, LUSBY, MD 20657-2105
Document Number	0049680272
Book / Page	004968 / 000272
Instrument Date	Mar 22, 2017
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	PREMIUM TITLE INC

Transaction

Amount	Amount on Record
Tax	$112.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2067 BAYTHORNE RD PRINCE FREDERICK MD 206783568, PRINCE FREDERICK, MD 20678-3568

Tax Assessment & Valuation

The 2025 property tax bill for 521 Barnacle Ln was $3,463.

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		$325,600 Land $73,400 Building $252,200	$325,600 Land $73,400 Building $252,200
2025	$3,463.00
2023	$2,596.00	$249,900 Land $73,400 Building $176,500	$249,900 Land $73,400 Building $176,500

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

Flood

FEMA maps place 521 Barnacle Ln in Zone X, an area of minimal flood risk.

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

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 521 Barnacle Ln is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 86% of Maryland
Wildfire Likelihood	0.08% 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Barnacle Ln

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