705 Spruce Dr, Lusby, MD 20657 Property Records

Calvert County property record for 705 Spruce Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 960 sqft · built 1990
Lot Size	0.202 acres (8,820 sqft)
Owner	Individual Name on File
Last Sale	$134,800 (Sep 2018)
Tax Bill	$2,231 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-059262`

Property Details

APN / Parcel Number

Primary APN	`01-059262`
Alternative APNs	`1059262` `059262`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Total Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,820 sqft (0.202 acres)
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	059262
Street Address	705 SPRUCE DR
City	LUSBY
State	MD
Zip	20657-2070
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 15 BLK 28 PLAT 7 WHITE SANDS
Legal Subdivision	PLAT 7 WHITE SANDS
Legal Block	28
Legal Lot Number	15
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1006
Census Tract	860902

Owner

705 Spruce Dr is owned and occupied by an individual who bought it in September 2018.

Source: Calvert County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	705 SPRUCE DR, LUSBY, MD 20657-2070
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
Jun 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 25, 2018	Deed, Transfer · Conventional Mortgage HOMESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on File
Deed Sale	Sep 25, 2018 · Amount on File
Prior Sale	May 16, 2011 · Amount on File
Deed Book / Page	5258 / 39
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	705 SPRUCE DR, LUSBY, MD 20657-2070
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062920049
Date	Jun 3, 2022
Book Page	6292/49

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	705 SPRUCE DR, LUSBY, MD 20657-2070
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061400288
Date	Nov 15, 2021
Book Page	6140/288

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Aug 1, 2051

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 25, 2018
Property Address	705 SPRUCE DR, LUSBY, MD 20657-2070
Document Number	0052580039
Book / Page	5258 / 039
Map Reference	MB AWR1 PL61
Instrument Date	Sep 14, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 SPRUCE DR, LUSBY, MD 20657-2070

Mortgage

Document Number	0000525845
Date	Sep 25, 2018
Instrument	5258/45

Lender

Name	HOMESALE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 705 Spruce Dr was $2,231.

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		$208,400 Land $58,900 Building $149,500	$208,400 Land $58,900 Building $149,500
2025	$2,231.00
2023	$1,472.00	$141,700 Land $58,900 Building $82,800	$141,700 Land $58,900 Building $82,800

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

Flood

FEMA maps place 705 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

Wildfire risk around 705 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures