117 Cross Point Dr, Owings, MD 20736 Property Records

Calvert County property record for 117 Cross Point Dr, Owings, MD 20736 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,412 sqft · built 2000
Lot Size	0.667 acres (29,061 sqft)
Owner	2 Individual Names on File
Last Sale	$611,000 (Nov 2020)
Tax Bill	$5,333 (2023)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-154661`

Property Details

APN / Parcel Number

Primary APN	`03-154661`
Alternative APNs	`3154661` `154661`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,412 sqft Total Area
1st Floor Area	1,644 sqft
Basement Area	867 sqft
Finished Basement	867 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	29,061 sqft (0.667 acres)
Garage Type	Built-in
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Enclosed Porch
Porch Area	720 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	154661
Old Parcel Number	3154661
Street Address	117 CROSS POINT DR
City	OWINGS
State	MD
Zip	20736-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 33 PLAT 2 CROSS POINT
Legal Subdivision	CROSS POINT
Legal Lot Number	33
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2001
Census Tract	860200

Owner

Source: Calvert County records · APN 03-154661

Assessment roll updated July 1, 2023 · Last verified September 2023

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 File
Mailing Address	117 CROSS POINT DR, OWINGS, MD 20736-3321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 01, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 30, 2020	Grant Deed, Transfer NOT AVAILABLE
Mar 09, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	Mar 30, 2000 · Amount on Record
Deed Document Number	0005777228
Deed Book / Page	5777 / 228
Record Updated	Jun 07, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	117 CROSS POINT DR, OWINGS, MD 20736-3321
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CROSS POINT DR, OWINGS, MD 20736-3321

Mortgage

Document Number	0068220352
Date	Dec 01, 2025
Book Page	6822/352

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 01, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 30, 2020
Property Address	117 CROSS POINT DR, OWINGS, MD 20736-3321
Document Number	0057770228
Book / Page	005777 / 000228
Instrument Date	Sep 30, 2020
Transaction Type	Transfer
Record Updated	Jan 20, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$611.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CROSS POINT DR OWINGS MD 207363321, OWINGS, MD 20736-3321

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	117 CROSS POINT DR, OWINGS, MD 20736-3321
Document Number	0049690476
Book / Page	004969 / 000476
Instrument Date	Mar 09, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	117 CROSS POINT DR OWINGS MD 207363321, OWINGS, MD 20736-3321

Mortgage

Document Number	0049690476
Date	Apr 04, 2017
Book Page	004969/000476

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 03, 2047

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,333.00	$513,300	$584,700 Land $184,000 Building $400,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240098602002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 4,167 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 117 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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