521 Garner Rd, Lusby, MD 20657 Property Records

Calvert County property record for 521 Garner Rd, Lusby, MD 20657 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Lot Size	0.931 acres (40,567 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (May 2019)
Tax Bill	$306 (2023)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-210858`

Property Details

APN / Parcel Number

Primary APN	`01-210858`
Alternative APNs	`1210858` `210858`

Interior

Fireplace	Fireplace

Exterior

Lot Area	40,567 sqft (0.931 acres)
Parking Spaces	4 Parking Spaces
Garage Type	Detached
Garage Area	1,200 sqft Garage

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	210858
Old Parcel Number	1210858
Street Address	521 GARNER RD
City	LUSBY
State	MD
Zip	20657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 & PARCEL A VICTOR A GARNER SUB
Legal Subdivision	GARNER SUB
Legal Lot Number	4
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1008
Census Tract	860901

Owner

Source: Calvert County records · APN 01-210858

Assessment roll updated July 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	525 GARNER RD, LUSBY, MD 20657-2933
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 29, 2019 · Amount on Record
Deed Sale	May 29, 2019 · Amount on Record
Deed Document Number	0005365539
Deed Book / Page	5365 / 539
Record Updated	Jun 07, 2026

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 29, 2019
Property Address	521 GARNER RD, LUSBY, MD 20657
Document Number	0053650539
Book / Page	5365 / 539
Map Reference	LB ABE 488 FO 663
Instrument Date	May 15, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BAY COUNTY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	525 GARNER RD # 521, 521, LUSBY, MD 20657-2933

Mortgage

Document Number	0005365584
Date	May 29, 2019
Instrument	5365/584

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$306.00	$29,500 Land $16,200 Building $13,300	$29,500 Land $16,200 Building $13,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 87% of Maryland
Wildfire Likelihood	About 1 in 1,149 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.