16 Macrae Ave, Prince Frederick, MD 20678 Property Records

Calvert County property record for 16 Macrae Ave, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,450 sqft · built 1997
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Oct 2019)
Tax Bill	$162 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-088541`

Property Details

APN / Parcel Number

Primary APN	`02-088541`
Alternative APNs	`2088541` `088541`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,450 sqft Total Area
Basement Area	612 sqft
Finished Basement	612 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	295 sqft
Deck Area	328 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	088541
Street Address	16 MACRAE AVE
City	PRINCE FREDERICK
State	MD
Zip	20678-4476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 5R BLK S PLAT 3 DARES BEACH
Legal Subdivision	DARES BEACH
Legal Block	S
Legal Lot Number	5R
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1029
Census Tract	860502

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 Record	2 Individual Names on Record
Mailing Address	16 MACRAE AVE, PRINCE FREDERICK, MD 20678-4476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 22, 2019	Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC
Jun 28, 2017	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2019 · Amount on Record
Deed Sale	Oct 22, 2019 · Amount on Record
Prior Sale	Jun 28, 2017 · Amount on Record
Deed Book / Page	5459 / 5
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	16 MACRAE AVE, PRINCE FREDERICK, MD 20678-4476
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058560353
Date	Feb 16, 2021
Book Page	5856/353

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	210 Months
Due	Aug 1, 2038

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 22, 2019
Property Address	16 MACRAE AVE, PRINCE FREDERICK, MD 20678-4476
Document Number	0054590005
Book / Page	5459 / 005
Map Reference	MB ABE 877 FO 114
Instrument Date	Aug 16, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	MONARCH TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
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	16 S MACRAE AVE, PRINCE FREDERICK, MD 20678-4317

Mortgage

Document Number	5459012
Date	Oct 22, 2019
Instrument	5459/012

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2049

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 28, 2017
Property Address	16 MACRAE AVE, PRINCE FREDERICK, MD 20678-4476
Document Number	0050200324
Book / Page	005020 / 000324
Instrument Date	Jun 13, 2017
Transaction Type	Transfer
Record Updated	Jul 28, 2017
Title Company	TITLEMAX CORPORATION, TITLEMAX CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16 S MACRAE AVE PRINCE FREDERICK MD 206784317, PRINCE FREDERICK, MD 20678-4317

Mortgage

Document Number	50200332
Date	Jun 28, 2017
Book Page	005020/000332

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

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		$501,200 (+20.66%)	$535,100 (+23.47%) Land $155,000 Building $380,100
2025	$162.00
2023	Disabled Person's exemption Veteran's exemption	$415,367	$433,400 Land $155,000 Building $278,400

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 72 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	72 in force
Nearby Flood Claims	56 (1985–2024)
Claims Outside the SFHA	22 of 56
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Tropical Storm Isaias, Aug 2020 · 2 claims Hurricane Isabel, Sep 2003 · 15 claims

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 Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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