809 Whispering Pine Cir, Lusby, MD 20657 Property Records

Calvert County property record for 809 Whispering Pine Cir, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,012 sqft · built 1967
Lot Size	0.185 acres (8,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$307,000 (Jul 2023)
Tax Bill	$2,827 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-109871`

Property Details

APN / Parcel Number

Primary APN	`01-109871`
Alternative APNs	`1109871` `109871`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,012 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,064 sqft (0.185 acres)
Porch	Slab
Porch Area	756 sqft
Deck Area	70 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	109871
Street Address	809 WHISPERING PINE CIR
City	LUSBY
State	MD
Zip	20657-3791
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 31 SEC 2H CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	31
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3018
Census Tract	861004

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	809 WHISPERING PINE CIR, LUSBY, MD 20657-3791
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Oct 18, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Book / Page	6463 / 64
Prior Transfer Date	Feb 6, 2006
Prior Transfer Doc	KPS027120050
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 27, 2023
Property Address	809 WHISPERING PINE CIR, LUSBY, MD 20657-3791
Document Number	0064630064
Book / Page	6463 / 64
Map Reference	MB JLB 1 PL 63
Instrument Date	Jul 10, 2023
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$767.50
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 by the Entirety
Address	809 WHISPERING PINE CIR, LUSBY, MD 20657-3791

Mortgage

Document Number	0000646373
Date	Jul 27, 2023
Instrument	6463/73

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 18, 2021
Property Address	809 WHISPERING PINE CIR, LUSBY, MD 20657-3791
Document Number	0061140326
Book / Page	6114 / 326
Map Reference	MB JLB1 PL 63
Instrument Date	Oct 15, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1279, SOLOMONS, MD 20688-1279

Tax Assessment & Valuation

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		$259,000 (+16.93%) Land $55,200 Building $203,800	$259,000 (-) Land $55,200 Building $203,800
2025	$2,827.00 (+85.74%)	$221,500 (+51.19%)	$259,000 (+76.79%) Land $55,200 Building $203,800
2023	$1,522.00 (+3.47%)	$146,500 (+3.44%) Land $55,200 Building $91,300	$146,500 (-) Land $55,200 Building $91,300
2022	$1,471.00	$141,633	$146,500 Land $55,200 Building $91,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	4 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1995 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 87% of Maryland
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHESAPEAKE RANCH ESTATES private · serves 9,500 people · EPA ID MD0040004
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: IQ Fiber.

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