2124 5th St, Owings, MD 20736 Property Records

Calvert County property record for 2124 5th St, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,728 sqft · built 1974
Lot Size	1.39 acres (60,548 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,429 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-008754`

Property Details

APN / Parcel Number

Primary APN	`03-008754`
Alternative APNs	`3008754` `008754`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,728 sqft Total Area
Basement Area	979 sqft
Finished Basement	979 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	60,548 sqft (1.39 acres)
Garage Type	Basement
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	320 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	008754
Street Address	2124 5TH ST
City	OWINGS
State	MD
Zip	20736-9557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	1.39 AC 2124 5TH ST OWINGS
Legal Subdivision	PARIS OAKS
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1000
Census Tract	860404

Owner

2124 5th St is owned and occupied by two individuals who acquired it in September 2021.

Source: Calvert County records, as of July 28, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2124 5TH ST, OWINGS, MD 20736-9557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Intrafamily Transfer, Transfer · VA Mortgage VELLUM MORTGAGE LLC
May 6, 2020	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021
Deed Sale	Sep 17, 2021
Prior Sale	May 6, 2020 · Amount on File
Deed Book / Page	6082 / 468
Prior Transfer Date	Sep 10, 2021
Prior Transfer Doc	0060820468
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Sep 17, 2021
Property Address	2124 5TH ST, OWINGS, MD 20736-9557
Document Number	0060820468
Book / Page	6082 / 468
Instrument Date	Sep 10, 2021
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	TITLEMAX LLC

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
Relationship	Joint Tenants with Right of Survivorship
Address	2124 5TH ST, OWINGS, MD 20736-9557

Mortgage

Document Number	6082472
Date	Sep 17, 2021
Instrument	6082/472

Lender

Name	VELLUM MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	May 6, 2020
Property Address	2124 5TH ST, OWINGS, MD 20736-9557
Document Number	0055840245
Book / Page	005584 / 000245
Instrument Date	Apr 30, 2020
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$359.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2124 5TH ST OWINGS MD 207369557, OWINGS, MD 20736-9557

Mortgage

Document Number	55840252
Date	May 6, 2020
Book Page	005584/000252

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2124 5th St was $4,429 with a homeowner's exemption.

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		$399,700 (+2.51%)	$419,300 (+7.54%) Land $151,900 Building $267,400
2025	$4,429.00 Homeowner's exemption	$389,900 Land $151,900 Building $238,000	$389,900 Land $151,900 Building $238,000
2023	$3,405.00 Homeowner's exemption	$328,633	$389,900 Land $151,900 Building $238,000

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

Flood

FEMA maps place 2124 5th St in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 2003.

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
Flood Insurance Cost	Premium on File median of 73 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	100 units insured incl. 27 condo units
Nearby Flood Claims	16 (2003–2024)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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 2124 5th St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.04% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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