162 Windcliff Rd, Prince Frederick, MD 20678 Property Records

Calvert County property record for 162 Windcliff Rd, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,205 sqft · built 1999
Lot Size	0.691 acres (30,100 sqft)
Owner	2 Company Names on Record
Last Sale	$670,000 (Apr 2011)
Tax Bill	$7,692 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-055198`

Property Details

APN / Parcel Number

Primary APN	`02-055198`
Alternative APNs	`2055198` `055198`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,205 sqft Total Area
Basement Area	584 sqft
Finished Basement	584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	30,100 sqft (0.691 acres)
View / Lot	Waterfront
Garage Type	Basement
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	95 sqft
Deck Area	227 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	055198
Street Address	162 WINDCLIFF RD
City	PRINCE FREDERICK
State	MD
Zip	20678-4303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 2 BLK A WINDCLIFF
Legal Subdivision	WINDCLIFF
Legal Block	A
Legal Lot Number	2
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 Company Names on Record
Mailing Address	1511 T ST NW, WASHINGTON, DC 20009-3909
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANSTEADY LLC
Apr 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2011 · Amount on Record
Deed Sale	Apr 29, 2011 · Amount on Record
Prior Sale	Apr 29, 2011 · Amount on Record
Deed Document Number	20113709/0021
Deed Book / Page	3709 / 21
Last Transfer Date	Apr 1, 2019
Transfer Doc	0053390100
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	162 WINDCLIFF RD, PRINCE FREDERICK, MD 20678-4303
Document Number	0057590435
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 WINDCLIFF RD PRINCE FREDERICK MD 206784303, PRINCE FREDERICK, MD 20678-4303

Mortgage

Document Number	0057590435
Date	Nov 10, 2020
Book Page	005759/000435

Lender

Name	LOANSTEADY LLC
Address	7115 LEESBURG PIKE # 208, FALLS CHURCH, VA 22043-2301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 3, 2019
Property Address	162 WINDCLIFF RD, PRINCE FREDERICK, MD 20678-4303
Document Number	0053390100
Book / Page	005339 / 000100
Instrument Date	Apr 1, 2019
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1511 T ST NW WASHINGTON DC 200093909, WASHINGTON, DC 20009-3909

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		$721,567 (+4.22%)	$750,800 (-) Land $298,100 Building $452,700
2025	$7,692.00 (+12.69%)	$692,333 (+5.37%)	$750,800 (+13.23%) Land $298,100 Building $452,700
2023	$6,826.00	$657,067	$663,100 Land $298,100 Building $365,000

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 100 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 9 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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