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Single Family ResidenceResidential
$526,762$215 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

12872 SHIPS WAY

LUSBY, MD 20657
3
Baths
2,455 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.01 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$527K
$477K low$577K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,525 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$409,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$87,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$321,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$382,533
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$409,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
52
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyCALVERT
Lot (acres)The size of the land the home sits on, from county records.1.01
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Vinyl Pool

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Patuxent High SchoolC+
High · Grades 9–12 · 1.4 mi
E
Dowell Elementary SchoolB-
Elementary · Grades PK–5 · 1.8 mi
M
Mill Creek Middle SchoolC+
Middle · Grades 6–8 · 1.9 mi

District: Calvert County Public Schools

Neighborhood · ZIP 20657These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.29

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.23,248
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.597 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$113,618
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$142,432
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12872 Ships Way measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 86% of homes in Lusby 20657
  • Costs less per square foot than 90% of homes in Calvert County
  • Bigger than 91% of homes in Lusby 20657
  • Has a bigger lot than 87% of homes in Lusby 20657
  • Older than 69% of homes in Lusby 20657

What homes are worth in Lusby 20657

Each bar is how many homes fall in that price range. The marker is this home.

This home
$229K$860K

This home is worth more than 86% of homes in Lusby 20657.

How it measures up in Lusby 20657

The dot is this home. The mark in the middle is the typical home in Lusby 20657.

Estimated value$526,762
CheaperTypical $367,269Pricier

Pricier than 86% of homes nearby

Price per ft²$215
CheaperTypical $273Pricier

Pricier than 17% of homes nearby

Living area2,455 ft²
SmallerTypical 1,360 ft²Bigger

Bigger than 91% of homes nearby

Lot size1.01 ac
SmallerTypical 0.37 acBigger

Bigger than 87% of homes nearby

Year built1986
OlderTypical 1991Newer

Newer than 31% of homes nearby

How 12872 Ships Way ranks against every home in each area.
MeasureThis homeLusby 20657Calvert County
Estimated valuepricier than$526,76286% of homes57% of homes
Price per ft²pricier than$21517% of homes10% of homes
Living areabigger than2,455 ft²91% of homes76% of homes
Lot sizebigger than1.01 ac87% of homes63% of homes
Year builtnewer than198631% of homes38% of homes

About 12872 Ships Way

How much is 12872 Ships Way, Lusby, MD worth?

The TopHap Estimate for 12872 Ships Way, Lusby, MD is $526,762 as of Sep 24, 2026. The likely range is $476,826 to $576,698. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12872 Ships Way, Lusby, MD last sell?

12872 Ships Way, Lusby, MD last sold on Jul 31, 1998, according to the county's recorded deed.

How big is 12872 Ships Way, Lusby, MD?

12872 Ships Way, Lusby, MD has 3 bathrooms, 2,455 square feet of living space and a 1.01-acre lot.

When was 12872 Ships Way, Lusby, MD built?

12872 Ships Way, Lusby, MD was built in 1986, making it 40 years old. It is a split level home. The building has 2 stories.

What schools serve 12872 Ships Way, Lusby, MD?

12872 Ships Way, Lusby, MD is assigned to Patuxent High School (high), rated C+; Dowell Elementary School (elementary), rated B-; Mill Creek Middle School (middle), rated C+. All sit in Calvert County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12872 Ships Way, Lusby, MD compare to other homes in Lusby 20657?

Among the 8,491 homes in Lusby 20657, it is worth more than 86% of them ($526,762 against a typical $367,269), its price per square foot is higher than 17% of them ($215 against a typical $273), it is bigger than 91% of them (2,455 ft² against a typical 1,360 ft²), its lot is bigger than 87% of them (1.01 ac against a typical 0.37 ac) and it is newer than 31% of them (1986 against a typical 1991). Measured against all of Calvert County, it is worth more than 57% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12872 Ships Way, Lusby, MD?

The 2025 property tax bill for 12872 Ships Way, Lusby, MD was $4,525. The county assessed it at $409,200.

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