1855 Perspective Pl, Owings, MD 20736 Property Records

Calvert County property record for 1855 Perspective Pl, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,247 sqft · built 2016
Lot Size	0.566 acres (24,671 sqft)
Owner	Individual on Record
Last Sale	$738,000 (Aug 2021)
Tax Bill	$6,797 (2023)
Deeds & Mortgages	Dec 2019 Mortgage Aug 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-189465`

Property Details

APN / Parcel Number

Primary APN	`03-189465`
Alternative APN	`189465`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,247 sqft Total Area
Basement Area	1,236 sqft
Finished Basement	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	24,671 sqft (0.566 acres)
Garage Type	Built-in
Garage Area	678 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	189465
Street Address	1855 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 19 PLAT 2 FAIRVIEW SOUTH
Legal Subdivision	FAIRVIEW SOUTH
Legal Lot Number	19
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2011
Census Tract	860200

Owner

Source: Calvert County assessment roll, as of July 1, 2023

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	1855 PERSPECTIVE PL, OWINGS, MD 20736-5107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage CF BANK
Aug 19, 2021	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Oct 9, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 5, 2017	Grant Deed, Subdivision Related Transfer PRIME LNDG
Apr 18, 2017	Deed with Mortgage, Subdivision Related Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Oct 9, 2018 · Amount on Record
Deed Document Number	0006055477
Deed Book / Page	6055 / 477
Record Updated	Jun 7, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1855 PERSPECTIVE PL, OWINGS, MD 20736-5107
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054870013
Date	Dec 5, 2019
Book Page	5487/013

Lender

Name	CF BANK
Type	Bank
Address	COLUMBUS, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Sep 1, 2049

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 19, 2021
Property Address	1855 PERSPECTIVE PL, OWINGS, MD 20736-5107
Document Number	0060550477
Book / Page	6055 / 477
Map Reference	LB KPS 3 PG 405
Instrument Date	Aug 13, 2021
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	NOT AVAILABLE, TITLEMAX LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,845.00
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	1855 PERSPECTIVE PL, OWINGS, MD 20736-5107

Mortgage

Document Number	6055486
Date	Aug 19, 2021
Instrument	6055/486

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 9, 2018
Property Address	1855 PERSPECTIVE PL, OWINGS, MD 20736-5107
Document Number	0052650001
Book / Page	5265 / 001
Map Reference	LB KPS3 PG403
Instrument Date	Jul 19, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,925.00
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
Address	49 YARMOUTH LN, NORTH EAST, MD 21901-4700

Mortgage

Document Number	0000052657
Date	Oct 9, 2018
Instrument	5265/7

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2048

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 5, 2017
Property Address	1855 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 5, 2017
Book Page	005075/000153

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2047

April 2017: Deed with Mortgage, Subdivision Related Transfer

Document Type	Deed with Mortgage
Jurisdiction	CALVERT MD
Recording Date	Apr 18, 2017
Property Address	1855 PERSPECTIVE PL, OWINGS, MD 20736-5107
Document Number	0049770214
Book / Page	004977 / 000214
Instrument Date	Apr 4, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2017
Title Company	MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1855 PERSPECTIVE PL OWINGS MD 207365107, OWINGS, MD 20736-5107

Mortgage

Document Number	49770214
Date	Apr 18, 2017
Book Page	004977/000214
Instrument	20170089

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2047

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$6,797.00 Homeowner's exemption	$654,233	$756,700 Land $145,800 Building $610,900

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Verizon.

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