Calvert County property record for 720 Spruce Dr, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,056 sqft · built 1987 |
| Lot Size | 0.149 acres (6,490 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $106,500 (May 2013) |
| Tax Bill | $2,678 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-059122 |
| Primary APN | 01-059122 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Total Area |
| Basement Area | 528 sqft |
| Finished Basement | 528 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,490 sqft (0.149 acres) |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 059122 |
|---|---|
| Street Address | 720 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 14 BLK 27 PLAT 7 WHITE SANDS |
| Legal Subdivision | WHITE SANDS PLAT #7 |
| Legal Block | 27 |
| Legal Lot Number | 14 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 860902 |
720 Spruce Dr is owned by two individuals who acquired it in January 2014.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 504 RYDER CUP CIR S, PALM BEACH GARDENS, FL 33418-8407 |
| Owner Type | Individual |
| Vesting | Life Tenant |
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 | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2013 · Amount on File |
| Deed Sale | May 16, 2013 · Amount on File |
| Prior Sale | Dec 27, 2011 · Amount on File |
| Deed Book / Page | 4195 / 392 |
| Last Transfer Date | Jan 16, 2014 |
| Transfer Doc | 0043620168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Nov 3, 2025 |
| Property Address | 720 SPRUCE DR, LUSBY, MD 20657-2065 |
| Document Number | 0068100303 |
| Book / Page | 6810 / 303 |
| Map Reference | MB JLB 1 FO 61 |
| Instrument Date | Oct 16, 2025 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 504 RYDER CUP CIR S, PALM BEACH GARDENS, FL 33418-8407 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 504 RYDER CUP CIR S, PALM BEACH GARDENS, FL 33418-8407 |
The 2025 property tax bill for 720 Spruce Dr was $2,678.
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 | $246,000 (+8.08%) Land $71,700 Building $174,300 | $246,000 (-) Land $71,700 Building $174,300 | |
| 2025 | $2,678.00 | $227,600 | $246,000 Land $71,700 Building $174,300 |
| 2023 | $1,982.00 | $190,800 Land $71,700 Building $119,100 | $190,800 Land $71,700 Building $119,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 720 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 720 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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