Calvert County property record for 732 Spruce Dr, Lusby, MD 20657
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,344 sqft · built 1989 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Aug 1999) |
| Tax Bill | $2,584 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-055682 |
| Primary APN | 01-055682 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,344 sqft Total Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,500 sqft (0.149 acres) |
| Deck Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 055682 |
|---|---|
| Street Address | 732 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 11 BLK 27 PLAT 7 WHITE SANDS |
| Legal Subdivision | WHITE SANDS |
| Legal Block | 27 |
| Legal Lot Number | 11 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 860902 |
732 Spruce Dr is owned and occupied by two individuals who bought it in August 1999.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 732 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 | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 1999 · Amount on File |
| Deed Sale | Aug 12, 1999 · Amount on File |
| Prior Sale | Sep 29, 1995 · Amount on File |
| Deed Document Number | 1999315 |
| Deed Book / Page | 1199 / 461 |
| Transfer Doc | 0776000650 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 732 Spruce Dr was $2,584.
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 | $233,900 (+6.85%) Land $71,800 Building $162,100 | $233,900 (-) Land $71,800 Building $162,100 | |
| 2025 | $2,584.00 | $218,900 | $233,900 Land $71,800 Building $162,100 |
| 2023 | $1,962.00 | $188,900 Land $71,800 Building $117,100 | $188,900 Land $71,800 Building $117,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 732 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 732 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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