780 Spruce Dr, Lusby, MD 20657 Property Records

Calvert County property record for 780 Spruce Dr, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,152 sqft · built 1982
Lot Size	0.414 acres (18,050 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Mar 2017)
Tax Bill	$4,537 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-057332`

Property Details

APN / Parcel Number

Primary APN	`01-057332`
Alternative APNs	`1057332` `057332`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Total Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,050 sqft (0.414 acres)

Exterior Amenities

Pool Area	412 sqft
Porch	Porch
Porch Area	90 sqft
Deck Area	64 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	057332
Street Address	780 SPRUCE DR
City	LUSBY
State	MD
Zip	20657-2065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 718 PLAT 16 WHITE SANDS
Legal Subdivision	WHITE SANDS PLAT NO 16
Legal Lot Number	718
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1006
Census Tract	860902

Owner

780 Spruce Dr is owned and occupied by two individuals who acquired it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	780 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.

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 16, 2017	Grant Deed, Transfer TITLEMAX CORPORATION, TITLEMAX CORP
Mar 16, 2017	Grant Deed, Transfer MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2017 · Amount on File
Deed Sale	Mar 16, 2017 · Amount on File
Prior Sale	Jul 19, 2005
Deed Book / Page	4958 / 1
Last Transfer Date	Jan 8, 2025
Transfer Doc	0066740218
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	780 SPRUCE DR, LUSBY, MD 20657-2065
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	780 SPRUCE DR, LUSBY, MD 20657-2065

Mortgage

Document Number	0059110001
Date	Mar 29, 2021
Book Page	5911/1

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 16, 2017
Property Address	780 SPRUCE DR, LUSBY, MD 20657-2065
Document Number	0149580001
Book / Page	014958 / 000001
Instrument Date	Feb 15, 2017
Instrument	7974932
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	TITLEMAX CORPORATION, TITLEMAX CORP

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	780 SPRUCE DR LUSBY MD 206572065, LUSBY, MD 20657-2065
Investor	Possibly a Property Investor

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 16, 2017
Property Address	780 SPRUCE DR, LUSBY, MD 20657-2065
Document Number	0049580001
Book / Page	004958 / 000001
Instrument Date	Feb 15, 2017
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	780 SPRUCE DR LUSBY MD 206572065, LUSBY, MD 20657-2065
Investor	Possibly a Property Investor

Mortgage

Document Number	49580008
Date	Mar 16, 2017
Book Page	004958/000008

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2047

Mortgage

Document Number	149580008,
Date	Mar 16, 2017
Book Page	014958/000008

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 780 Spruce Dr was $4,537.

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		$437,100 (+9.29%) Land $93,900 Building $343,200	$437,100 (-) Land $93,900 Building $343,200
2025	$4,537.00	$399,933	$437,100 Land $93,900 Building $343,200
2023	$3,382.00	$325,600 Land $93,900 Building $231,700	$325,600 Land $93,900 Building $231,700

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

Flood

FEMA maps place 780 Spruce Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 780 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

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