152 Cross Point Dr, Owings, MD 20736 Property Records

Calvert County property record for 152 Cross Point Dr, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,708 sqft · built 2001
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Dec 2020)
Tax Bill	$5,401 (2023)
Deeds & Mortgages	Sep 2020 Line of Credit Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-171264`

Property Details

APN / Parcel Number

Primary APN	`03-171264`
Alternative APNs	`3171264` `171264`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,708 sqft Total Area
1st Floor Area	1,568 sqft
Basement Area	746 sqft
Finished Basement	746 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	48,787 sqft (1.12 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	720 sqft
Porch	Open Porch
Porch Area	228 sqft
Deck Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	171264
Old Parcel Number	3171264
Street Address	152 CROSS POINT DR
City	OWINGS
State	MD
Zip	20736-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 149R PLAT 1 CROSS POINT AT DOWELL
Legal Subdivision	CROSS POINT AT DOWELL
Legal Lot Number	149R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2002
Census Tract	860200

Owner

152 Cross Point Dr is owned and occupied by an individual who bought it in December 2020.

Source: Calvert County records, as of September 18, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	152 CROSS POINT DR, OWINGS, MD 20736-3322
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
Sep 3, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 11, 2020	Deed, Transfer · Conventional Mortgage NFM INC
Dec 8, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Jan 3, 2001 · Amount on File
Deed Document Number	0005790318
Deed Book / Page	5790 / 318
Record Updated	Jun 7, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	152 CROSS POINT DR, OWINGS, MD 20736-3322
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 CROSS POINT DR, OWINGS, MD 20736-3322

Mortgage

Document Number	0056870296
Date	Sep 3, 2020
Book Page	5687/296

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BETHESDA, MD 20816

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	263 Months
Due	Aug 26, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 11, 2020
Property Address	152 CROSS POINT DR, OWINGS, MD 20736-3322
Document Number	0057900318
Book / Page	5790 / 318
Map Reference	MB 1759 PG 157
Instrument Date	Oct 8, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	152 CROSS POINT DR, OWINGS, MD 20736-3322

Mortgage

Document Number	5790327
Date	Dec 11, 2020
Instrument	5790/327

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	152 CROSS POINT DR, OWINGS, MD 20736-3322
Document Number	0051180165
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	152 CROSS POINT DR OWINGS MD 207363322, OWINGS, MD 20736-3322

Mortgage

Document Number	0051180165
Date	Dec 22, 2017
Book Page	005118/000165

Lender

Name	WELLS FARGO BK
Address	BILLINGS, MT 59107-9900

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$5,401.00 Homeowner's exemption	$519,900	$575,700 Land $191,200 Building $384,500

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

Flood

FEMA maps place 152 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 152 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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