965 Bruno Ln, Lusby, MD 20657 Property Records

Calvert County property record for 965 Bruno Ln, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,548 sqft · built 2016
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Apr 2026)
Tax Bill	$5,791 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-251791`

Property Details

APN / Parcel Number

Primary APN	`01-251791`
Alternative APN	`251791`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,548 sqft Total Area
Basement Area	1,060 sqft
Finished Basement	1,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Garage Type	Mixed
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	251791
Street Address	965 BRUNO LN
City	LUSBY
State	MD
Zip	20657-2644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 5 PADISTA ACRES
Legal Subdivision	PADISTA ACRES
Legal Lot Number	5
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	3
Census Block	3004
Census Tract	860901

Owner

965 Bruno Ln is owned and occupied by two individuals who bought it in April 2026.

Source: Calvert County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	965 BRUNO LN, LUSBY, MD 20657-2644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage SHORE UNITED BANK NA
Apr 10, 2026	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 10, 2026	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on File
Deed Sale	Apr 10, 2026 · Amount on File
Prior Sale	Sep 29, 2016 · Amount on File
Deed Document Number	2026
Deed Book / Page	6883 / 1
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	965 BRUNO LN, LUSBY, MD 20657-2644
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	TITLEMARK PLLC, TITLEMAX LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067890287
Date	Sep 25, 2025
Book Page	6789/287

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2033
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	11.5%
Index	1-Year T-Bill
Max Rate	11.5%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 10, 2026
Property Address	965 BRUNO LN, LUSBY, MD 20657-2644
Document Number	6883000001
Book / Page	6883 / 1
Instrument Date	Apr 8, 2026
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	965 BRUNO LN, LUSBY, MD 20657-2644

Mortgage

Document Number	6883000009,
Date	Apr 10, 2026
Book Page	6883/9

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 10, 2026
Property Address	965 BRUNO LN, LUSBY, MD 20657-2644
Document Number	0068830001
Book / Page	6883 / 1
Instrument Date	Apr 8, 2026
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	965 BRUNO LN, LUSBY, MD 20657-2644

Mortgage

Document Number	6883000009,
Date	Apr 10, 2026
Book Page	6883/9

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 965 Bruno Ln was $5,791 with a homeowner's exemption.

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$5,791.00 Homeowner's exemption	$516,167	$550,200 Land $122,600 Building $427,600
2023	$4,655.00 Homeowner's exemption	$448,100 Land $122,600 Building $325,500	$448,100 Land $122,600 Building $325,500

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

Flood

FEMA maps place 965 Bruno Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	3 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 965 Bruno Ln is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 91% of Maryland
Wildfire Likelihood	0.1% 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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