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129 Cross Point Dr, Owings, MD 20736 Property Records

Calvert County property record for 129 Cross Point Dr, Owings, MD 20736

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 2,828 sqft · built 2001
Lot Size0.5 acres (21,786 sqft)
Owner2 Individual Names on Record
Last Sale$645,000 (Jan 2022)
Tax Bill$6,685 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-171086

Property Details

APN / Parcel Number

Primary APN03-171086
Alternative APNs
  • 3171086
  • 171086

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,828 sqft Total Area
Basement Area1,337 sqft
Finished Basement1,337 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area21,786 sqft (0.5 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area720 sqft
PorchSlab
Porch Area228 sqft
Deck Area316 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number171086
Street Address129 CROSS POINT DR
CityOWINGS
StateMD
Zip20736-3321
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal DescriptionLT 31R PLAT 1 CROSS POINT AT DOWELL
Legal SubdivisionCROSS POINT AT DOWELL
Legal Lot Number31R
JurisdictionCALVERT MD
Township / Civil Division3, SUNDERLAND
Census Block Group2
Census Block2001
Census Tract860200

Owner

Source: Calvert County records, as of July 28, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address129 CROSS POINT DR, OWINGS, MD 20736-3321
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 26, 2022 · Amount on Record
Deed SaleJan 26, 2022 · Amount on Record
Prior SaleMay 2, 2001 · Amount on Record
Deed Book / Page6205 / 79
Record UpdatedOct 29, 2026

January 2022: Deed, Transfer

Document TypeDeed
JurisdictionCALVERT MD
Recording DateJan 26, 2022
Property Address129 CROSS POINT DR, OWINGS, MD 20736-3321
Document Number0062050079
Book / Page6205 / 79
Map ReferenceMB KPS 1 PG 100
Instrument DateNov 29, 2021
Transaction TypeTransfer
Record UpdatedFeb 10, 2022
Title CompanyXEISIN TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,225.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address129 CROSS POINT DR, OWINGS, MD 20736-3321

Mortgage

Document Number0000620587
DateJan 26, 2022
Instrument6205/87
Lender
NameFIDELITY FIRST HOME MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueDec 1, 2051

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCalvert County
Unified School DistrictCalvert County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$617,667 (+14.33%)$644,000 (+6.53%) Land $180,800 Building $463,200
2025$6,685.00 (+19.1%)
2023$5,613.00$540,233$604,500 Land $180,800 Building $423,700

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2002–2003)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 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

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

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCROSS POINT SUBDIVISION
serves 434 people · EPA ID MD0040052
Water SourceGroundwater
Last State InspectionSep 2025
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 117 locations within half a mile, as of December 31, 2025

ProviderMax 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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