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148 Cross Point Dr, Owings, MD 20736 Property Records

Calvert County property record for 148 Cross Point Dr, Owings, MD 20736

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 2,213 sqft · built 2000
Lot Size0.6 acres (26,122 sqft)
Owner2 Individual Names on Record
Last Sale$675,000 (Jun 2021)
Tax Bill$6,819 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-171272

Property Details

APN / Parcel Number

Primary APN03-171272
Alternative APNs
  • 3171272
  • 171272

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,213 sqft Total Area
Basement Area1,068 sqft
Finished Basement1,068 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialBrick
Roof MaterialComposition Shingle
Lot Area26,122 sqft (0.6 acres)
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area160 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number171272
Street Address148 CROSS POINT DR
CityOWINGS
StateMD
Zip20736-3322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRUR
Legal DescriptionLT 150 PLAT 1 CROSS POINT AT DOWELL
Legal SubdivisionCROSS POINT AT DOWELL
Legal Lot Number150
JurisdictionCALVERT MD
Township / Civil Division3, SUNDERLAND
Census Block Group2
Census Block2002
Census Tract860200

Owner

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 Record2 Individual Names on Record
Mailing Address148 CROSS POINT DR, OWINGS, MD 20736-3322
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 14, 2021 · Amount on Record
Deed SaleJun 14, 2021 · Amount on Record
Prior SaleAug 26, 2004
Deed Book / Page5991 / 338
Transfer Doc0022750256
Record UpdatedOct 29, 2026

June 2021: Deed, Transfer

Document TypeDeed
JurisdictionCALVERT MD
Recording DateJun 14, 2021
Property Address148 CROSS POINT DR, OWINGS, MD 20736-3322
Document Number0059910338
Book / Page5991 / 338
Map ReferenceMB KPS 1 PL 100
Instrument DateJun 9, 2021
Transaction TypeTransfer
Record UpdatedAug 10, 2022
Title CompanyNOT AVAILABLE, TITLEMAX LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,687.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address148 CROSS POINT DR, OWINGS, MD 20736-3322

Mortgage

Document Number0005991346
DateJun 14, 2021
Instrument5991/346
Lender
NameBAY CAPITAL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 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$634,200 (+2.79%)$668,600 (+8.36%) Land $182,700 Building $485,900
2025$6,819.00 (+31.84%)$617,000 (+23.95%) Land $182,700 Building $434,300$617,000 (-) Land $182,700 Building $434,300
2023$5,172.00$497,800$617,000 Land $182,700 Building $434,300

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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