1815 Perspective Pl, Owings, MD 20736 Property Records

Calvert County property record for 1815 Perspective Pl, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,072 sqft · built 2016
Lot Size	0.58 acres (25,308 sqft)
Owner	Individual Name on File
Last Sale	$604,900 (May 2017)
Tax Bill	$6,648 (2023)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-189449`

Property Details

APN / Parcel Number

Primary APN	`03-189449`
Alternative APN	`189449`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,072 sqft Total Area
Basement Area	1,350 sqft
Finished Basement	1,350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	25,308 sqft (0.58 acres)
Garage Type	Mixed
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	189449
Street Address	1815 PERSPECTIVE PL
City	OWINGS
State	MD
Zip	20736-5107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 17 PLAT 2 FAIRVIEW SOUTH
Legal Subdivision	FAIRVIEW SOUTH
Legal Lot Number	17
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2011
Census Tract	860200

Owner

Source: Calvert County records · APN 03-189449

Assessment roll updated July 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1815 PERSPECTIVE PL, OWINGS, MD 20736-5107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 05, 2017	Grant Deed, Subdivision Related Transfer PRIME LNDG
May 04, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 2017 · Amount on Record
Deed Sale	May 04, 2017 · Amount on Record
Prior Sale	Sep 06, 2016 · Amount on Record
Deed Document Number	172963
Deed Book / Page	4987 / 105
Record Updated	Jun 07, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1815 PERSPECTIVE PL, OWINGS, MD 20736-5107
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061590096
Date	Dec 01, 2021
Book Page	6159/96

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Jul 01, 2047

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 05, 2017
Property Address	1815 PERSPECTIVE PL, OWINGS, MD 20736-5107
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

May 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	May 04, 2017
Property Address	1815 PERSPECTIVE PL, OWINGS, MD 20736-5107
Document Number	0049870105
Book / Page	004987 / 000105
Instrument Date	Apr 13, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 20, 2017
Title Company	MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$604.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1815 PERSPECTIVE PL OWINGS MD 207365107, OWINGS, MD 20736-5107

Mortgage

Document Number	49871111
Date	May 04, 2017
Book Page	004987/001111

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 03, 2047

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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
2023	$6,648.00 Homeowner's exemption	$639,933	$737,400 Land $146,600 Building $590,800

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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