Calvert County property record for 550 Garner Rd, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,422 sqft · built 1985 |
| Lot Size | 15 acres (653,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,000 (Jan 2017) |
| Tax Bill | $7,496 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-008447 |
| Primary APN | 01-008447 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,422 sqft Total Area |
| Basement Area | 474 sqft |
| Finished Basement | 474 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 653,400 sqft (15 acres) |
| View / Lot | Waterfront |
| Garage Type | Carport |
| Garage Area | 504 sqft |
| Carport | Carport |
| Carport Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 544 sqft |
| Deck Area | 486 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 008447 |
|---|---|
| Street Address | 550 GARNER RD |
| City | LUSBY |
| State | MD |
| Zip | 20657-2933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 15 AC 550 GARNER RD HUNGERFORD CREEK |
| Legal Subdivision | HUNGERFORD CREEK |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 860901 |
Source: Calvert County records, as of December 2, 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 | 550 GARNER RD, LUSBY, MD 20657-2933 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Jan 12, 2017 | Deed, Transfer · FHA Mortgage 1ST MARINER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2017 · Amount on Record |
| Deed Sale | Jan 12, 2017 · Amount on Record |
| Prior Sale | Dec 1, 2016 |
| Deed Book / Page | 4924 / 410 |
| Prior Transfer Date | Feb 13, 2015 |
| Prior Transfer Doc | 0045340265 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 550 GARNER RD, LUSBY, MD 20657-2933 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | HOME FIRST TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0055990329 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 5599/329 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jan 12, 2017 |
| Property Address | 550 GARNER RD, LUSBY, MD 20657-2933 |
| Document Number | 0049240410 |
| Book / Page | 4924 / 410 |
| Instrument Date | Jan 9, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 550 GARNER RD, LUSBY, MD 20657-2933 |
| Investor | Possibly a Property Investor |
| Document Number | 0004924421 |
|---|---|
| Date | Jan 12, 2017 |
| Instrument | 4924/421 |
| Name | 1ST MARINER BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: Calvert County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,496.00 (+13.58%) | $674,167 (+6.12%) | $693,600 (+9.18%) Land $455,300 Building $238,300 |
| 2023 | $6,600.00 | $635,300 Land $455,300 Building $180,000 | $635,300 Land $455,300 Building $180,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 118 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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