1880 Shepherd Ln, Owings, MD 20736 Property Records

Calvert County property record for 1880 Shepherd Ln, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,457 sqft · built 2001
Lot Size	1.64 acres (71,438 sqft)
Owner	Individual Name on File
Last Sale	$720,000 (Jun 2022)
Tax Bill	$7,186 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-126648`

Property Details

APN / Parcel Number

Primary APN	`02-126648`
Alternative APNs	`2126648` `126648`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,457 sqft Total Area
Basement Area	1,385 sqft
Finished Basement	1,385 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	71,438 sqft (1.64 acres)
Garage Type	Detached
Garage Area	1,728 sqft
Parking Spaces	6 Parking Spaces
Pool Area	420 sqft
Porch	Slab
Porch Area	376 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	126648
Street Address	1880 SHEPHERD LN
City	OWINGS
State	MD
Zip	20736-4320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 4R FAWN RIDGE
Legal Subdivision	FAWN RDG
Legal Lot Number	4R
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1016
Census Tract	860200

Owner

1880 Shepherd Ln is owned and occupied by an individual who acquired it in June 2026.

Source: Calvert County records, as of June 15, 2026

Owner of Record	Individual Name on File
Mailing Address	1880 SHEPHERD LN, OWINGS, MD 20736-4320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK
Jun 8, 2026	Deed, Transfer · Conventional Mortgage RIDGE TITLE, BRIDGE TITLE
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit NRL FCU
Jun 28, 2022	Deed, Transfer · Conventional Mortgage MERIDIAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	May 15, 2001 · Amount on File
Deed Book / Page	6305 / 382
Last Transfer Date	Jun 1, 2026
Transfer Doc	6914000456
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1880 SHEPHERD LN, OWINGS, MD 20736-4320
Transaction Type	Mortgage
Record Updated	Jun 24, 2026
Title Company	DEFINITIVE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063700282
Date	Nov 14, 2022
Book Page	6370/282

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jun 1, 2037
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year T-Bill
Max Rate	9.75%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 8, 2026
Property Address	1880 SHEPHERD LN, OWINGS, MD 20736-4320
Document Number	6914000456
Book / Page	6914 / 456
Instrument Date	Jun 1, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	RIDGE TITLE, BRIDGE TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1880 SHEPHERD LN, OWINGS, MD 20736-4320

Mortgage

Document Number	6914000463,
Date	Jun 8, 2026
Book Page	6914/463

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1880 SHEPHERD LN, OWINGS, MD 20736-4320
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050570153
Date	Sep 6, 2017
Book Page	5057/153

Lender

Name	NRL FCU
Type	Non-Lending Institution
Address	ALEXANDRIA, VA 22312

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Aug 29, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 28, 2022
Property Address	1880 SHEPHERD LN, OWINGS, MD 20736-4320
Document Number	0063050382
Book / Page	6305 / 382
Map Reference	MB KPS 1 FO 109
Instrument Date	May 31, 2022
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	DEFINITIVE TITLE, DEFINITIVE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,600.00
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	1880 SHEPHERD LN, OWINGS, MD 20736-4320

Mortgage

Document Number	0006305388
Date	Jun 28, 2022
Instrument	6305/388

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jun 1, 2037
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1880 Shepherd Ln was $7,186 with a homeowner's exemption.

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$7,186.00 Homeowner's exemption	$737,600 Land $165,100 Building $572,500	$737,600 Land $165,100 Building $572,500
2023	$5,541.00 Homeowner's exemption	$569,133	$737,600 Land $165,100 Building $572,500

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

Flood

FEMA maps place 1880 Shepherd Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

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	2 (2009–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2018 · 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

Wildfire risk around 1880 Shepherd Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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