135 Cross Point Dr, Owings, MD 20736 Property Records

Calvert County property record for 135 Cross Point Dr, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,038 sqft · built 2001
Lot Size	0.555 acres (24,166 sqft)
Owner	2 Individual Names on File
Last Sale	$438,500 (Sep 2015)
Tax Bill	$5,598 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-171191`

Property Details

APN / Parcel Number

Primary APN	`03-171191`
Alternative APNs	`3171191` `171191`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,038 sqft Total Area
Basement Area	1,019 sqft
Finished Basement	1,019 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,166 sqft (0.555 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	154 sqft
Deck Area	284 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	171191
Street Address	135 CROSS POINT DR
City	OWINGS
State	MD
Zip	20736-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 51 PLAT 1 CROSS POINT AT DOWELL
Legal Subdivision	PLAT ONE CROSS POINT AT DOWELL
Legal Lot Number	51
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2001
Census Tract	860200

Owner

135 Cross Point Dr is owned and occupied by two individuals who bought it in September 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	135 CROSS POINT DR, OWINGS, MD 20736-3321
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage VELLUM MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2015 · Amount on File
Deed Sale	Sep 29, 2015 · Amount on File
Prior Sale	May 18, 2001 · Amount on File
Deed Book / Page	4643 / 25
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	135 CROSS POINT DR, OWINGS, MD 20736-3321
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 CROSS POINT DR, OWINGS, MD 20736-3321

Mortgage

Document Number	0068000035
Date	Oct 15, 2025
Book Page	6800/35

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Oct 20, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	135 CROSS POINT DR, OWINGS, MD 20736-3321
Document Number	0055740417
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	May 26, 2020
Title Company	TITLE INSURERS, TITLE INSURER'S

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	135 CROSS POINT DR OWINGS MD 207363321, OWINGS, MD 20736-3321

Mortgage

Document Number	0055740417
Date	Apr 24, 2020
Book Page	005574/000417

Lender

Name	VELLUM MTG LLC
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 23, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 135 Cross Point Dr was $5,598.

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		$521,000	$555,400 Land $181,800 Building $373,600
2025	$5,598.00
2023	$4,767.00	$458,867	$503,800 Land $181,800 Building $322,000

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

Flood

FEMA maps place 135 Cross Point Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

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.

Wildfire

Wildfire risk around 135 Cross Point Dr is low, with a 0.02% annual chance of wildfire.

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	CROSS POINT SUBDIVISION serves 434 people · EPA ID MD0040052
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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

Provider	Max 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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