184 Tornado Ln, Owings, MD 20736 Property Records

Calvert County property record for 184 Tornado Ln, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,032 sqft · built 2003
Lot Size	0.793 acres (34,544 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jul 2021)
Tax Bill	$7,169 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-171965`

Property Details

APN / Parcel Number

Primary APN	`03-171965`
Alternative APNs	`3171965` `171965`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,032 sqft Total Area
Basement Area	1,832 sqft
Finished Basement	1,832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	34,544 sqft (0.793 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	171965
Street Address	184 TORNADO LN
City	OWINGS
State	MD
Zip	20736-3337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 101 PLAT 5 CROSS POINT AT DOWELL
Legal Subdivision	PLAT FIVE CROSS POINT AT DOWELL
Legal Lot Number	101
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2001
Census Tract	860200

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	184 TORNADO LN, OWINGS, MD 20736-3337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 16, 2021	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Aug 2, 2018	Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Aug 2, 2018 · Amount on Record
Deed Book / Page	6025 / 321
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	184 TORNADO LN, OWINGS, MD 20736-3337
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	BETTERS LAW TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057570044
Date	Nov 9, 2020
Book Page	5757/44

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 16, 2021
Property Address	184 TORNADO LN, OWINGS, MD 20736-3337
Document Number	0060250321
Book / Page	6025 / 321
Map Reference	MB KPS 1 PG 104
Instrument Date	Jun 3, 2021
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,625.00
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	184 TORNADO LN, OWINGS, MD 20736-3337

Mortgage

Document Number	6025331
Date	Jul 16, 2021
Instrument	6025/331

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 2, 2018
Property Address	184 TORNADO LN, OWINGS, MD 20736-3337
Document Number	0052270125
Book / Page	5227 / 125
Map Reference	MB KPS1 PG104
Instrument Date	Jun 27, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	RGS TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,337.50
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	284 TORNADO LN, OWINGS, MD 20736

Mortgage

Document Number	0005227132
Date	Aug 2, 2018
Instrument	5227/132

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2048

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		$674,167 (+18.5%)	$723,700 (+11.44%) Land $186,500 Building $537,200
2025	$7,169.00 (+21.28%)
2023	$5,911.00 Homeowner's exemption	$568,933	$649,400 Land $186,500 Building $462,900

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
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

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	0.03% annual chance
Exposure	Direct burnable vegetation

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 71 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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