1765 Perspective Pl, Owings, MD 20736 Property Records

Calvert County property record for 1765 Perspective Pl, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,284 sqft · built 2018
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$763,000 (Oct 2021)
Tax Bill	$8,832 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-189422`

Property Details

APN / Parcel Number

Primary APN	`03-189422`
Alternative APN	`189422`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,284 sqft Total Area
Basement Area	1,430 sqft
Finished Basement	1,430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	189422
Street Address	1765 PERSPECTIVE PL
City	OWINGS
State	MD
Zip	20736-5108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 15 PLAT 2 FAIRVIEW SOUTH
Legal Subdivision	PLAT TWO FAIRVIEW SOUTH
Legal Lot Number	15
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2011
Census Tract	860200

Owner

Source: Calvert County records · APN 03-189422

Assessment roll updated July 29, 2025 · Last verified June 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 File
Mailing Address	1765 PERSPECTIVE PL, OWINGS, MD 20736-5108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 08, 2021	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Nov 02, 2018	Deed, Subdivision Related Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Oct 05, 2017	Grant Deed, Subdivision Related Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 08, 2021 · Amount on Record
Deed Sale	Oct 08, 2021 · Amount on Record
Prior Sale	Nov 02, 2018 · Amount on Record
Deed Book / Page	6105 / 263
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1765 PERSPECTIVE PL, OWINGS, MD 20736-5108
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 S TRYON ST 8TH, 8, CHARLOTTE, NC 28202-3271

Mortgage

Document Number	0068140190
Date	Nov 10, 2025
Book Page	6814/190

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 08, 2021
Property Address	1765 PERSPECTIVE PL, OWINGS, MD 20736-5108
Document Number	0061050263
Book / Page	6105 / 263
Map Reference	LB KPS 3 PG 405
Instrument Date	Oct 04, 2021
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	MARYLAND TITLE CENTER LLC, MARYLAND TRUST T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,815.00
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	1765 PERSPECTIVE PL, OWINGS, MD 20736-5108

Mortgage

Document Number	6105270
Date	Oct 08, 2021
Instrument	6105/270

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

November 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 02, 2018
Property Address	1765 PERSPECTIVE PL, OWINGS, MD 20736-5108
Document Number	0052760349
Book / Page	5276 / 349
Instrument Date	Oct 16, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	May 02, 2022
Title Company	MARYLAND TRUST TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.37
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1765 PERSPECTIVE PL, OWINGS, MD 20736-5108

Mortgage

Document Number	0005276356
Date	Nov 02, 2018
Instrument	5276/356

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2048

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 05, 2017
Property Address	1765 PERSPECTIVE PL, OWINGS, MD 20736-5108
Document Number	0050750148
Book / Page	005075 / 000148
Instrument Date	Sep 29, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 22, 2017
Title Company	TITLE MAX CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$613.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 PERSPECTIVE PL OWINGS MD 207365108, OWINGS, MD 20736-5108
Investor	Possibly a Property Investor

Mortgage

Document Number	50750153
Date	Oct 05, 2017
Book Page	005075/000153

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 04, 2047

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,832.00 (+22.46%)	$798,000 (+14.96%) Land $170,400 Building $627,600	$798,000 (-) Land $170,400 Building $627,600
2023	$7,212.00	$694,133	$798,000 Land $170,400 Building $627,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 113 locations within half a mile of this property.

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