Calvert County property record for 645 Willow Rd, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 960 sqft · built 1990 |
| Lot Size | 0.154 acres (6,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,900 (Mar 2010) |
| Tax Bill | $2,273 (2025) |
| Deeds & Mortgages | Nov 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-183990 |
| Primary APN | 01-183990 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 960 sqft Total Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,700 sqft (0.154 acres) |
| Deck Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 183990 |
|---|---|
| Street Address | 645 WILLOW RD |
| City | LUSBY |
| State | MD |
| Zip | 20657-2084 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT 11 BLK 26 PLAT 7 WHITE SANDS |
| Legal Subdivision | WHITE SANDS |
| Legal Block | 26 |
| Legal Lot Number | 11 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 860902 |
645 Willow Rd is owned by an individual who bought it in March 2010.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2355 BUNKER HILL CT, PRINCE FREDERICK, MD 20678-4333 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 29, 2010 · Amount on File |
| Deed Sale | Mar 29, 2010 · Amount on File |
| Prior Sale | Dec 30, 1996 · Amount on File |
| Deed Document Number | 20101638 |
| Deed Book / Page | 3484 / 66 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 645 WILLOW RD, LUSBY, MD 20657-2084 |
| Document Number | 0057840110 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 645 WILLOW RD LUSBY MD 206572084, LUSBY, MD 20657-2084 |
| Document Number | 0057840110 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 005784/000110 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 6, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
The 2025 property tax bill for 645 Willow Rd was $2,273.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $204,700 Land $71,900 Building $132,800 | $204,700 Land $71,900 Building $132,800 | |
| 2025 | $2,273.00 | ||
| 2023 | $1,670.00 | $160,800 Land $71,900 Building $88,900 | $160,800 Land $71,900 Building $88,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Willow Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 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 risk around 645 Willow Rd is moderate, ranking above 44% 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 44% of the US · above 84% of Maryland |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
5G (outdoors only) and 4G LTE
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