2012 Timberneck Dr, Owings, MD 20736 Property Records

Calvert County property record for 2012 Timberneck Dr, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,952 sqft · built 1995
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$4,921 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-116731`

Property Details

APN / Parcel Number

Primary APN	`02-116731`
Alternative APNs	`2116731` `116731`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,952 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Porch	Porch
Porch Area	132 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	116731
Street Address	2012 TIMBERNECK DR
City	OWINGS
State	MD
Zip	20736-4338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 4R FRANZ HUMM SUB
Legal Subdivision	FRANZ HUMM SUB
Legal Lot Number	4R
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1013
Census Tract	860200

Owner

Source: Calvert County records, as of July 28, 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 Record
Mailing Address	2012 TIMBERNECK DR, OWINGS, MD 20736-4338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 16, 2023	Intrafamily Transfer, Transfer
May 1, 2019	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 16, 2014
Transfer Doc	0044720087
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2012 TIMBERNECK DR, OWINGS, MD 20736-4338
Transaction Type	Mortgage
Record Updated	Nov 25, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 TIMBERNECK DR, OWINGS, MD 20736-4338

Mortgage

Document Number	0068120003
Date	Nov 5, 2025
Book Page	6812/3

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Nov 16, 2023
Property Address	2012 TIMBERNECK DR, OWINGS, MD 20736-4338
Document Number	0065050398
Book / Page	6505 / 398
Map Reference	LB ABE 775 FO 318
Instrument Date	Nov 16, 2023
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 TIMBERNECK DR, OWINGS, MD 20736-4338

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2012 TIMBERNECK DR, OWINGS, MD 20736-4338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053520237
Date	May 1, 2019
Book Page	5352/237

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20770

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 30, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$448,333 (+2.95%)	$474,000 (+8.84%) Land $126,000 Building $348,000
2025	$4,921.00 (+24.49%) Homeowner's exemption	$435,500 (+14.45%) Land $126,000 Building $309,500	$435,500 (-) Land $126,000 Building $309,500
2023	$3,953.00 Homeowner's exemption	$380,500	$435,500 Land $126,000 Building $309,500

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 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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