1985 Grays Rd, Prince Frederick, MD 20678 Property Records

Calvert County property record for 1985 Grays Rd, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 896 sqft · built 2012
Lot Size	27 acres (1,180,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Sep 2026)
Tax Bill	$2,904 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-251694`

Property Details

APN / Parcel Number

Primary APN	`01-251694`
Alternative APN	`251694`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	896 sqft Total Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,180,040 sqft (27 acres)
Garage Type	Basement
Garage Area	896 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	251694
Street Address	1985 GRAYS RD
City	PRINCE FREDERICK
State	MD
Zip	20678-3375
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 1R PLAT 1 RICE'S RIDGE
Legal Subdivision	RICE S RIDGE
Legal Lot Number	1R
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1013
Census Tract	860801

Owner

Source: Calvert County records, as of October 19, 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	1985 GRAYS RD, PRINCE FREDERICK, MD 20678-3375
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Jun 5, 2017	Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	Feb 11, 2025 · Amount on Record
Deed Book / Page	6962 / 424
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 4, 2026
Property Address	1985 GRAYS RD, PRINCE FREDERICK, MD 20678-3375
Document Number	6962000424
Book / Page	6962 / 424
Instrument Date	Aug 10, 2026
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$636,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 GRAYS RD, PRINCE FREDERICK, MD 20678-3375

Mortgage

Document Number	6962000432,
Date	Sep 4, 2026
Book Page	6962/432

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

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

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 5, 2017
Property Address	1985 GRAYS RD, PRINCE FREDERICK, MD 20678-3375
Document Number	0050050196
Book / Page	5005 / 196
Map Reference	MB KPS04 PL391
Instrument Date	May 24, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	RGS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	19885 GRAYS RD, PRINCE FREDERICK, MD 20678

Mortgage

Document Number	0005005203
Date	Jun 5, 2017
Instrument	5005/203

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

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		$407,400 (+3.26%) Land $284,900 Building $122,500	$407,400 (-) Land $284,900 Building $122,500
2025	$2,904.00 (-24.2%)	$394,533 (+6.98%)	$407,400 (+10.47%) Land $284,900 Building $122,500
2023	$3,831.00	$368,800 Land $284,900 Building $83,900	$368,800 Land $284,900 Building $83,900

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	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2016 · 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 51% of the US · above 88% of Maryland
Wildfire Likelihood	0.1% 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 37 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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