642 Silver Rock Rd, Lusby, MD 20657 Property Records

Calvert County property record for 642 Silver Rock Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,284 sqft · built 1969
Lot Size	0.344 acres (15,001 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2023)
Tax Bill	$3,092 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Feb 2023 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-125842`

Property Details

APN / Parcel Number

Primary APN	`01-125842`
Alternative APNs	`1125842` `125842`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,284 sqft Total Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,001 sqft (0.344 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	192 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	125842
Street Address	642 SILVER ROCK RD
City	LUSBY
State	MD
Zip	20657-3782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 59 SEC 3E CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	59
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3012
Census Tract	861004

Owner

642 Silver Rock Rd is owned and occupied by an individual who bought it in September 2023.

Source: Calvert County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	642 SILVER ROCK RD, LUSBY, MD 20657-3782
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
Sep 5, 2023	Special Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 9, 2023	Trustee's Deed, Foreclosure
Jun 1, 2019	Loan Modification, Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Prior Sale	Feb 9, 2023 · Amount on File
Deed Book / Page	6478 / 292
Prior Transfer Date	Apr 13, 2007
Prior Transfer Doc	0029730460
Record Updated	Oct 29, 2026

September 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 5, 2023
Property Address	642 SILVER ROCK RD, LUSBY, MD 20657-3782
Document Number	0064780292
Book / Page	6478 / 292
Map Reference	MB JLB 1 PL 34
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 E SOUTH ST DOUGLASS RD130A, RD130A, ANAHEIM, CA 92805-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	642 SILVER ROCK RD, LUSBY, MD 20657-3782

Mortgage

Document Number	0006478300
Date	Sep 5, 2023
Instrument	6478/300

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

February 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 9, 2023
Property Address	642 SILVER ROCK RD, LUSBY, MD 20657-3782
Document Number	0063990300
Book / Page	6399 / 300
Map Reference	MB JLB 1 PL 34
Instrument Date	Feb 7, 2023
Transaction Type	Foreclosure
Record Updated	Feb 28, 2023

Transaction

Amount	Amount on Record
Tax	$1,070.30
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALVERT MD
Property Address	642 SILVER ROCK RD, LUSBY, MD 20657-3782
Document Number	0053810284
Instrument Date	Jun 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 SILVER ROCK RD LUSBY MD 206573782, LUSBY, MD 20657-3782

Mortgage

Document Number	0053810284
Date	Jun 24, 2019
Book Page	005381/000284

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2049

Interest

Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 642 Silver Rock Rd was $3,092.

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		$272,100 (+10.59%) Land $55,200 Building $216,900	$272,100 (-) Land $55,200 Building $216,900
2025	$3,092.00	$246,033	$272,100 Land $55,200 Building $216,900
2023	$2,014.00	$193,900 Land $55,200 Building $138,700	$193,900 Land $55,200 Building $138,700

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

Flood

FEMA maps place 642 Silver Rock Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

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	4 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1995 · tidal / storm surge

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 642 Silver Rock Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 83% of Maryland
Wildfire Likelihood	0.07% 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.

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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: IQ Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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