Calvert County property record for 1221 Harmony Ln, Owings, MD 20736 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,880 sqft · built 1978 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,783 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-080099 |
| Primary APN | 03-080099 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,880 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 47,045 sqft (1.08 acres) |
| Garage Type | Attached |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 386 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 080099 |
|---|---|
| Street Address | 1221 HARMONY LN |
| City | OWINGS |
| State | MD |
| Zip | 20736-9771 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 1 MT HARMONY ESTS |
| Legal Subdivision | MT HARMONY ESTATES |
| Legal Lot Number | 1 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 860200 |
Source: Calvert County records · APN 03-080099
Assessment roll updated July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1221 HARMONY LN, OWINGS, MD 20736-9771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Calvert County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
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 |
|---|---|---|---|
| 2026 | $430,267 (+11.34%) | $445,400 (+5.37%) Land $170,800 Building $274,600 | |
| 2025 | $4,783.00 (+19.13%) | ||
| 2023 | $4,015.00 Homeowner's exemption | $386,433 | $422,700 Land $170,800 Building $251,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 6 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 in force 6 of 6 on primary residences |
| Nearby Flood Claims | 2 (2002–2003) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2003, river or lake flooding |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 3,846 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.
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