1097 Cold Pond Ct, Prince Frederick, MD 20678 Property Records

Calvert County property record for 1097 Cold Pond Ct, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,287 sqft · built 2008
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jun 2013)
Tax Bill	$6,220 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-144387`

Property Details

APN / Parcel Number

Primary APN	`02-144387`
Alternative APN	`144387`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,287 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Built-in
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	256 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	144387
Street Address	1097 COLD POND CT
City	PRINCE FREDERICK
State	MD
Zip	20678-4524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 14 PLAT 2 FARMS AT HUNTING CREEK
Legal Subdivision	HUNTING CREEK
Legal Lot Number	14
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1004
Census Tract	860702

Owner

Source: Calvert County records, as of July 28, 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	1097 COLD POND CT, PRINCE FREDERICK, MD 20678-4524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jun 25, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jan 3, 2018	Grant Deed, Transfer · Conventional with PMI FIRST HM MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2013 · Amount on Record
Deed Sale	Jun 26, 2013 · Amount on Record
Prior Sale	Dec 15, 2010 · Amount on Record
Deed Book / Page	4224 / 226
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1097 COLD POND CT, PRINCE FREDERICK, MD 20678-4524
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 COLD POND CT, PRINCE FREDERICK, MD 20678-4524

Mortgage

Document Number	0059370347
Date	Apr 19, 2021
Book Page	5937/347

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1097 COLD POND CT, PRINCE FREDERICK, MD 20678-4524
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056270453
Date	Jun 25, 2020
Book Page	5627/453

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 3, 2018
Property Address	1097 COLD POND CT, PRINCE FREDERICK, MD 20678-4524
Document Number	0051220361
Book / Page	005122 / 000361
Instrument Date	Dec 7, 2017
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	MARYLAND TRUST TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 COLD POND CT PRINCE FREDERICK MD 206784524, PRINCE FREDERICK, MD 20678-4524

Mortgage

Document Number	51220369
Date	Jan 3, 2018
Book Page	005122/000369

Lender

Name	FIRST HM MTG CORP
Address	BALTIMORE, MD 21236

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2048

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		$585,333 (+14.43%)	$614,800 (+16.79%) Land $160,100 Building $454,700
2025	$6,220.00 (+17.05%)
2023	$5,314.00	$511,533	$526,400 Land $160,100 Building $366,300

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 45% of the US · above 85% of Maryland
Wildfire Likelihood	0.06% 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 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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