Calvert County property record for 704 Spruce Dr, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,476 sqft · built 1994 |
| Lot Size | 0.216 acres (9,430 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,768 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-057022 |
| Primary APN | 01-057022 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,476 sqft Total Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,430 sqft (0.216 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 057022 |
|---|---|
| Street Address | 704 SPRUCE DR |
| City | LUSBY |
| State | MD |
| Zip | 20657-2065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 1 BLK 27 PLAT 7 WHITE SANDS |
| Legal Subdivision | WHITE SANDS |
| Legal Block | 27 |
| Legal Lot Number | 1 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 860902 |
704 Spruce Dr is owned and occupied by an individual who acquired it in May 2005.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 704 SPRUCE DR, LUSBY, MD 20657-2065 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2005 |
| Deed Sale | May 9, 2005 |
| Prior Sale | May 9, 2005 |
| Deed Book / Page | 2469 / 599 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 704 SPRUCE DR, LUSBY, MD 20657-2065 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|---|
| Address | 704 SPRUCE DR R, R, LUSBY, MD 20657-2065 |
| Document Number | 0061410045 |
|---|---|
| Date | Nov 15, 2021 |
| Book Page | 6141/45 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 704 Spruce Dr was $2,768 with a homeowner's exemption.
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 | $252,500 Land $74,200 Building $178,300 | $252,500 Land $74,200 Building $178,300 | |
| 2025 | $2,768.00 | ||
| 2023 | $2,109.00 Homeowner's exemption | $203,000 Land $74,200 Building $128,800 | $203,000 Land $74,200 Building $128,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 Spruce Dr in Zone X, an area of minimal flood risk.
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 | 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 704 Spruce Dr 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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