548 Lake Dr, Lusby, MD 20657 Property Records

Calvert County property record for 548 Lake Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 746 sqft · built 1987
Lot Size	0.363 acres (15,812 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Apr 2017)
Tax Bill	$3,305 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-064703`

Property Details

APN / Parcel Number

Primary APN	`01-064703`
Alternative APNs	`1064703` `064703`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	746 sqft Total Area
Basement Area	634 sqft
Finished Basement	634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,812 sqft (0.363 acres)
View / Lot	Waterfront
Porch	Slab
Porch Area	144 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064703
Street Address	548 LAKE DR
City	LUSBY
State	MD
Zip	20657-3261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 12 BLK A SEC 2 DRUM POINT
Legal Subdivision	DRUM POINT
Legal Block	A
Legal Lot Number	12
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1020
Census Tract	861003

Owner

Source: Calvert County records, as of July 29, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	4519 LARK LN, ALEXANDRIA, VA 22310-2819
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Nov 16, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Apr 3, 2017	Grant Deed, Transfer MICHAELS TITLE AND ESCROW LLC, MICHAELS TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2017 · Amount on Record
Deed Sale	Apr 3, 2017 · Amount on Record
Prior Sale	Dec 24, 1996 · Amount on Record
Deed Book / Page	4968 / 276
Last Transfer Date	Oct 18, 2018
Transfer Doc	0052820106
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	548 LAKE DR, LUSBY, MD 20657-3261
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FREESTATE TTL CONSULTANTS LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4519 LARK LN, ALEXANDRIA, VA 22310-2819

Mortgage

Document Number	0057400360
Date	Oct 23, 2020
Book Page	5740/360

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jun 1, 2050

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Nov 16, 2018
Property Address	548 LAKE DR, LUSBY, MD 20657-3261
Document Number	0052820106
Book / Page	5282 / 106
Map Reference	MB AAH1 PG89
Instrument Date	Oct 18, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	UNISOURCE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	548 LAKE DR, LUSBY, MD 20657-3261

Mortgage

Document Number	0005282110
Date	Nov 16, 2018
Instrument	5282/110

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2033

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 3, 2017
Property Address	548 LAKE DR, LUSBY, MD 20657-3261
Document Number	0049680276
Book / Page	004968 / 000276
Instrument Date	Mar 27, 2017
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	MICHAELS TITLE AND ESCROW LLC, MICHAELS TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4519 LARK LN ALEXANDRIA VA 223102819, ALEXANDRIA, VA 22310-2819

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025		$285,067 (+11.79%)	$300,100 (+17.69%) Land $141,600 Building $158,500
2024	$3,305.00 (+24.76%)
2023	$2,649.00	$255,000 Land $141,600 Building $113,400	$255,000 Land $141,600 Building $113,400

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 100 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 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 and 4G LTE (outdoors only)

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