10 Central Dr, Prince Frederick, MD 20678 Property Records

Calvert County property record for 10 Central Dr, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,135 sqft · built 1954
Lot Size	0.348 acres (15,139 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,000 (Apr 2017)
Tax Bill	$2,914 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jul 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-026554`

Property Details

APN / Parcel Number

Primary APN	`02-026554`
Alternative APNs	`2026554` `026554`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,135 sqft Total Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	15,139 sqft (0.348 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	026554
Street Address	10 CENTRAL DR
City	PRINCE FREDERICK
State	MD
Zip	20678-4004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 2 BLK A CENTRAL VILLAGE
Legal Subdivision	CENTRAL VILLAGE
Legal Block	A
Legal Lot Number	2
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1000
Census Tract	860702

Owner

Source: Calvert County records, as of August 31, 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	10 CENTRAL DR, PRINCE FREDERICK, MD 20678-4004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 2, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Apr 14, 2017	Grant Deed, Transfer · FHA Mortgage ORION LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2017 · Amount on Record
Deed Sale	Apr 14, 2017 · Amount on Record
Prior Sale	Jan 2, 2008
Deed Book / Page	4975 / 305
Prior Transfer Date	Dec 12, 2007
Prior Transfer Doc	KPS031020326
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	10 CENTRAL DR, PRINCE FREDERICK, MD 20678-4004
Document Number	0054010258
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CENTRAL DR PRINCE FREDERICK MD 206784004, PRINCE FREDERICK, MD 20678-4004

Mortgage

Document Number	0054010258
Date	Jul 26, 2019
Book Page	005401/000258

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALVERT MD
Property Address	10 CENTRAL DR, PRINCE FREDERICK, MD 20678-4004
Document Number	0054020112
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 9, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CENTRAL DR PRINCE FREDERICK MD 206784004, PRINCE FREDERICK, MD 20678-4004

Mortgage

Document Number	0054020112
Date	Jul 29, 2019
Book Page	005402/000112

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

Interest

Rate	4.5%

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 14, 2017
Property Address	10 CENTRAL DR, PRINCE FREDERICK, MD 20678-4004
Document Number	0049750305
Book / Page	004975 / 000305
Instrument Date	Feb 21, 2017
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	RESOURCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 CENTRAL DR PRINCE FREDERICK MD 206784004, PRINCE FREDERICK, MD 20678-4004

Mortgage

Document Number	49750311
Date	Apr 14, 2017
Book Page	004975/000311

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

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		$277,433 (+11.21%)	$305,400 (-) Land $78,500 Building $226,900
2025	$2,914.00 (+33.61%)	$249,467 (+18.79%)	$305,400 (+37.88%) Land $78,500 Building $226,900
2023	$2,181.00	$210,000	$221,500 Land $78,500 Building $143,000

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

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	5 in force
Nearby Flood Claims	4 (2009–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2022 · rainfall accumulation

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 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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 62 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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