185 Central Dr, Prince Frederick, MD 20678 Property Records

Calvert County property record for 185 Central Dr, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	1 ba · 816 sqft · built 1959
Lot Size	0.383 acres (16,683 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Apr 1985)
Tax Bill	$1,609 (2025)
Deeds & Mortgages	Apr 2021 Reverse Mortgage Aug 2019 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-026538`

Property Details

APN / Parcel Number

Primary APN	`02-026538`
Alternative APNs	`2026538` `026538`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Total Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,683 sqft (0.383 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	026538
Street Address	185 CENTRAL DR
City	PRINCE FREDERICK
State	MD
Zip	20678-4007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 6 BLK B CENTRAL VILLAGE
Legal Subdivision	CENTRAL VILLAGE
Legal Block	B
Legal Lot Number	6
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1002
Census Tract	860702

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	Individual Name on Record
Mailing Address	185 CENTRAL DR, PRINCE FREDERICK, MD 20678-4007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Aug 23, 2019	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Jun 28, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 1985 · Amount on Record
Deed Sale	Apr 17, 1985 · Amount on Record
Deed Book / Page	337 / 77
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	185 CENTRAL DR, PRINCE FREDERICK, MD 20678-4007
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	NATIONAL REAL ESTATE TITLE, NATIONAL REVERSE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CENTRAL DR, PRINCE FREDERICK, MD 20678-4007

Mortgage

Document Number	0059220002
Date	Apr 7, 2021
Book Page	5922/2

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	750 Months
Due	Oct 20, 2083

Interest

Rate Type	Adjustable Rate
Rate	2.94%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2021
Change Frequency	Annually
Index	1-Year CMT

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	185 CENTRAL DR, PRINCE FREDERICK, MD 20678-4007
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054190423
Date	Aug 23, 2019
Book Page	5419/423

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	770 Months
Due	Oct 20, 2083

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	185 CENTRAL DR, PRINCE FREDERICK, MD 20678-4007
Document Number	0054190440
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Sep 6, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CENTRAL DR PRINCE FREDERICK MD 206784007, PRINCE FREDERICK, MD 20678-4007

Mortgage

Document Number	0054190440
Date	Aug 23, 2019
Book Page	005419/000440

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	768 Months
Due	Aug 22, 2083

Interest

Rate Type	Adjustable Rate
Rate	5.32%

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		$135,800 (+15.8%)	$143,100 (+18.07%) Land $71,300 Building $71,800
2025	$1,609.00 (+32.1%)
2023	$1,218.00	$117,267	$121,200 Land $71,300 Building $49,900

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	5 in force
Nearby Flood Claims	4 (2009–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2022 · rainfall accumulation

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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within 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 62 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, Verizon.

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