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Single Family ResidenceResidential
$563,938$361 / 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 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

13109 RIVER TER

LUSBY, MD 20657
2
Baths
1,560 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.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$564K
$502K low$626K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,056 (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.$547,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$307,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$239,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$524,467
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$547,400

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.65
84
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyCALVERT
Lot (acres)The size of the land the home sits on, from county records.0.48
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
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront-Not Specified
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 600 ft²Boat access

Transaction History(1)

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 · 2.4 mi
E
Dowell Elementary SchoolB-
Elementary · Grades PK–5 · 2.7 mi
M
Mill Creek Middle SchoolC+
Middle · Grades 6–8 · 2.9 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

13109 River Ter 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 90% of homes in Lusby 20657
  • Costs more per square foot than 91% of homes in Lusby 20657
  • Has a bigger lot than 65% of homes in Lusby 20657
  • Older than 67% 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
$225K$842K

This home is worth more than 90% 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$563,938
CheaperTypical $361,599Pricier

Pricier than 90% of homes nearby

Price per ft²$361
CheaperTypical $270Pricier

Pricier than 91% of homes nearby

Living area1,560 ft²
SmallerTypical 1,376 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.48 ac
SmallerTypical 0.37 acBigger

Bigger than 65% of homes nearby

Year built1987
OlderTypical 1991Newer

Newer than 33% of homes nearby

How 13109 River Ter ranks against every home in each area.
MeasureThis homeLusby 20657Calvert County
Estimated valuepricier than$563,93890% of homes64% of homes
Price per ft²pricier than$36191% of homes87% of homes
Living areabigger than1,560 ft²60% of homes42% of homes
Lot sizebigger than0.48 ac65% of homes41% of homes
Year builtnewer than198733% of homes41% of homes

About 13109 River Ter

How much is 13109 River Ter, Lusby, MD worth?

The TopHap Estimate for 13109 River Ter, Lusby, MD is $563,938 as of Oct 21, 2026. The likely range is $501,577 to $626,299. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 13109 River Ter, Lusby, MD last sell?

13109 River Ter, Lusby, MD last sold on Apr 2, 2009, according to the county's recorded deed.

How big is 13109 River Ter, Lusby, MD?

13109 River Ter, Lusby, MD has 2 bathrooms, 1,560 square feet of living space and a 0.48-acre lot.

When was 13109 River Ter, Lusby, MD built?

13109 River Ter, Lusby, MD was built in 1987, making it 39 years old. The building has 1 story.

What schools serve 13109 River Ter, Lusby, MD?

13109 River Ter, 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 13109 River Ter, Lusby, MD compare to other homes in Lusby 20657?

Among the 8,491 homes in Lusby 20657, it is worth more than 90% of them ($563,938 against a typical $361,599), its price per square foot is higher than 91% of them ($361 against a typical $270), it is bigger than 60% of them (1,560 ft² against a typical 1,376 ft²), its lot is bigger than 65% of them (0.48 ac against a typical 0.37 ac) and it is newer than 33% of them (1987 against a typical 1991). Measured against all of Calvert County, it is worth more than 64% 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 13109 River Ter, Lusby, MD?

The 2025 property tax bill for 13109 River Ter, Lusby, MD was $6,056. The county assessed it at $547,400.

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