729 Spruce Dr, Lusby, MD 20657 Property Records

Calvert County property record for 729 Spruce Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 768 sqft · built 1992
Lot Size	0.218 acres (9,500 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jul 2022)
Tax Bill	$2,294 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-057367`

Property Details

APN / Parcel Number

Primary APN	`01-057367`
Alternative APNs	`1057367` `057367`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	768 sqft Total Area
Basement Area	768 sqft
Finished Basement	768 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,500 sqft (0.218 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	057367
Street Address	729 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 21 BLK 28 PLAT 7 WHITE SANDS
Legal Subdivision	WHITE SANDS PLAT # 9
Legal Block	28
Legal Lot Number	21
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1006
Census Tract	860902

Owner

729 Spruce Dr is owned and occupied by an individual who bought it in July 2022.

Source: Calvert County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	729 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
Jul 8, 2022	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Sep 1, 2021	Deed, Transfer · Stand-Alone First Mortgage NOVAK FINANCIAL INCORPORATED
Aug 31, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on File
Deed Sale	Jul 8, 2022 · Amount on File
Prior Sale	Sep 1, 2021 · Amount on File
Deed Book / Page	6311 / 101
Prior Transfer Date	Aug 21, 2018
Prior Transfer Doc	0052440399
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 8, 2022
Property Address	729 SPRUCE DR, LUSBY, MD 20657-2070
Document Number	0063110101
Book / Page	6311 / 101
Map Reference	MB AWR 1 FO 61
Instrument Date	Jun 30, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	JACQUIES TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	729 SPRUCE DR, LUSBY, MD 20657-2070

Mortgage

Document Number	0006311108
Date	Jul 8, 2022
Instrument	6311/108

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 1, 2021
Property Address	729 SPRUCE DR, LUSBY, MD 20657-2070
Document Number	0060670286
Book / Page	6067 / 286
Map Reference	MB AWR 1 FO 61
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	JACQUIES TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1 PEPPERELL CT, BETHESDA, MD 20817-4663

Mortgage

Document Number	0006067293
Date	Sep 1, 2021
Instrument	6067/293

Lender

Name	NOVAK FINANCIAL INCORPORATED
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 31, 2018
Property Address	729 SPRUCE DR, LUSBY, MD 20657-2070
Document Number	0052440399
Book / Page	005244 / 000399
Instrument Date	Aug 21, 2018
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$51.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2515 CHANETVILLE RD OWINGS MD 20736, OWINGS, MD 20736

Tax Assessment & Valuation

The 2025 property tax bill for 729 Spruce Dr was $2,294 with a homeowner's exemption.

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		$257,200 (+14.63%) Land $74,300 Building $182,900	$257,200 (-) Land $74,300 Building $182,900
2025	$2,294.00 Homeowner's exemption	$224,367	$257,200 Land $74,300 Building $182,900
2023	$1,648.00	$158,700 Land $74,300 Building $84,400	$158,700 Land $74,300 Building $84,400

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

Flood

FEMA maps place 729 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 729 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

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