Calvert County property record for 20 Cross Point Dr, Owings, MD 20736 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,496 sqft Total Area |
| Lot Size | 32,478 sqft (0.746 acres) |
| Garage | Built-in, 528 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $6,068.00 (2025) |
| Primary APN | 03-154416 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,496 sqft Total Area |
| Basement Area | 938 sqft Basement |
| Finished Basement | 938 sqft Finished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 32,478 sqft (0.746 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Built-in Garage |
| Garage Area | 528 sqft Garage |
| Deck Area | 608 sqft Deck |
| Porch Area | 474 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 154416 |
|---|---|
| Street Address | 20 CROSS POINT DR |
| City | OWINGS |
| State | MD |
| Zip | 20736-3323 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 12 PLAT 1 CROSS POINT |
| Legal Subdivision | CROSS POINT |
| Legal Lot Number | 12 |
| Jurisdiction | CALVERT MD |
| Minor Civil Division | 3, SUNDERLAND |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 860200 |
Source: Calvert County records · APN 03-154416
Assessment roll updated July 29, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 20 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LOANS LLC |
| May 14, 2021 | Intrafamily Transfer, Transfer |
| Nov 05, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| May 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 21, 2008 |
| Deed Sale | Feb 21, 2008 |
| Prior Sale | Dec 14, 1999 · Amount on Record |
| Deed Doc Number | 200881671 |
| Deed Book / Page | 3122 / 108 |
| Last Transfer Date | Jan 14, 2021 |
| Transfer Doc | 0059610089 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 20 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0060100399 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 6010/399 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jan 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | May 14, 2021 |
| Property Address | 20 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Document Number | 0059610089 |
| Book / Page | 5961 / 89 |
| Map Reference | LB ABE 4 FO 226 |
| Instrument Date | Jan 14, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 03, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 20 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 20 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Document Number | 0054800312 |
| Instrument Date | Nov 05, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 20 CROSS POINT DR OWINGS MD 207363323, OWINGS, MD 20736-3323 |
| Document Number | 0054800312 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 005480/000312 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 20 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Document Number | 0051950129 |
| Instrument Date | May 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2018 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 20 CROSS POINT DR OWINGS MD 207363323, OWINGS, MD 20736-3323 |
| Document Number | 0051950129 |
|---|---|
| Date | May 29, 2018 |
| Book Page | 005195/000129 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2048 |
Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,068.00 (+17.99%) | $547,400 (+10.57%) Land $185,600 Building $361,800 | $547,400 (-) Land $185,600 Building $361,800 |
| 2023 | $5,143.00 | $495,067 | $547,400 Land $185,600 Building $361,800 |
Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 3,846 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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