Calvert County property record for 2005 W Mount Harmony Rd, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,524 sqft · built 1976 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $359,000 (Feb 2021) |
| Tax Bill | $4,035 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-063658 |
| Primary APN | 03-063658 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,524 sqft Total Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 43,996 sqft (1.01 acres) |
| Porch | Slab |
| Porch Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 063658 |
|---|---|
| Street Address | 2005 W MOUNT HARMONY RD |
| City | OWINGS |
| State | MD |
| Zip | 20736-8942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | 1.01 AC 2005 W MT HARMONY RD OWINGS |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 860200 |
2005 W Mount Harmony Rd is owned and occupied by two individuals who bought it in February 2021.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2005 W MOUNT HARMONY RD, OWINGS, MD 20736-8942 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2021 · Amount on File |
| Deed Sale | Feb 1, 2021 · Amount on File |
| Prior Sale | Oct 19, 2007 · Amount on File |
| Deed Book / Page | 5841 / 468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Feb 1, 2021 |
| Property Address | 2005 W MOUNT HARMONY RD, OWINGS, MD 20736-8942 |
| Document Number | 0058410468 |
| Book / Page | 5841 / 468 |
| Instrument Date | Dec 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | NOT AVAILABLE, EAGLE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $897.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2005 W MOUNT HARMONY RD, OWINGS, MD 20736-8942 |
| Document Number | 5841477 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 5841/477 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 2005 W Mount Harmony Rd was $4,035.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $361,567 | $377,900 Land $160,000 Building $217,900 | |
| 2025 | $4,035.00 | ||
| 2023 | $3,040.00 | $292,667 | $353,400 Land $160,000 Building $193,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2005 W Mount Harmony Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.
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 risk around 2005 W Mount Harmony Rd 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 80% of the US · above 41% 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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