Calvert County property record for 120 W Mount Harmony Rd, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,398 sqft · built 1978 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,509 (2025) |
| Deeds & Mortgages | Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-079856 |
| Primary APN | 03-079856 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,398 sqft Total Area |
| Basement Area | 1,105 sqft |
| Finished Basement | 1,105 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 428 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 079856 |
|---|---|
| Street Address | 120 W MOUNT HARMONY RD |
| City | OWINGS |
| State | MD |
| Zip | 20736-8903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | 1 AC 120 W MT HARMONY RD OWINGS |
| Legal Subdivision | FAMILY CONVEYANCE COMING H |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 860200 |
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 | 120 W MOUNT HARMONY RD, OWINGS, MD 20736-8903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 120 W MOUNT HARMONY RD, OWINGS, MD 20736-8903 |
| Document Number | 0053360106 |
| Instrument Date | Mar 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2019 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 120 W MOUNT HARMONY RD OWINGS MD 207368903, OWINGS, MD 20736-8903 |
| Document Number | 0053360106 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 005336/000106 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $407,633 (+15.86%) | $428,300 (+7.8%) Land $150,000 Building $278,300 | |
| 2025 | $4,509.00 (+23.37%) | ||
| 2023 | $3,655.00 Homeowner's exemption | $351,833 | $397,300 Land $150,000 Building $247,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures