10 Cross Point Dr, Owings, MD 20736 Property Records

Calvert County property record for 10 Cross Point Dr, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,727 sqft · built 2000
Lot Size	1.49 acres (64,904 sqft)
Owner	Individual Name on File
Last Sale	$589,000 (Apr 2021)
Tax Bill	$5,513 (2023)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-154289`

Property Details

APN / Parcel Number

Primary APN	`03-154289`
Alternative APNs	`3154289` `154289`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,727 sqft Total Area
1st Floor Area	1,866 sqft
Basement Area	1,103 sqft
Finished Basement	1,103 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	64,904 sqft (1.49 acres)
Garage Type	Built-in
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	538 sqft
Deck Area	152 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	154289
Old Parcel Number	3154289
Street Address	10 CROSS POINT DR
City	OWINGS
State	MD
Zip	20736-3323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 10R PLAT 1 CROSS POINT
Legal Subdivision	CROSS POINT
Legal Lot Number	10R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2002
Census Tract	860200

Owner

10 Cross Point Dr is owned and occupied by an individual who bought it in April 2021.

Source: Calvert County records, as of September 18, 2023

Owner of Record	Individual Name on File
Mailing Address	10 CROSS POINT DR, OWINGS, MD 20736-3323
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 6, 2021	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2021 · Amount on File
Deed Sale	Apr 6, 2021 · Amount on File
Prior Sale	Aug 27, 2015 · Amount on File
Deed Document Number	0005919468
Deed Book / Page	5919 / 468
Record Updated	Jun 7, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	10 CROSS POINT DR, OWINGS, MD 20736-3323
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056290094
Date	Jun 29, 2020
Book Page	5629/94

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 6, 2021
Property Address	10 CROSS POINT DR, OWINGS, MD 20736-3323
Document Number	0059190468
Book / Page	5919 / 468
Map Reference	LB 1250 FO 692
Instrument Date	Mar 12, 2021
Transaction Type	Transfer
Record Updated	Jun 3, 2021
Title Company	MARYLAND TITLE CENTER LLC, MARYLAND TRUST T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,472.50
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 in Severalty
Address	10 CROSS POINT DR, OWINGS, MD 20736-3323

Mortgage

Document Number	5919477
Date	Apr 6, 2021
Instrument	5919/477

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$5,513.00	$530,633	$590,700 Land $194,900 Building $395,800

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

Flood

FEMA maps place 10 Cross Point Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

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	6 in force
Nearby Flood Claims	2 (2002–2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2003 · river or lake flooding

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 10 Cross Point Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.03% 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	CROSS POINT SUBDIVISION serves 434 people · EPA ID MD0040052
Water Source	Groundwater
Last State Inspection	Sep 2025
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 106 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross Point Dr

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