217 Prospect Bay Dr E, Grasonville, MD 21638 Property Records

Queen Anne's County property record for 217 Prospect Bay Dr E, Grasonville, MD 21638

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,376 sqft · built 1986
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Jun 2018)
Tax Bill	$7,148 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Nov 2019 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-022452`

Property Details

APN / Parcel Number

Primary APN	`05-022452`
Alternative APNs	`5022452` `022452`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,376 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	218,236 sqft (5.01 acres)
Garage Type	Mixed
Garage Area	1,296 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	1,080 sqft
Porch	Open Porch
Deck Area	240 sqft
Bath House	882 sqft
Gazebo	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022452
Street Address	217 PROSPECT BAY DR E
City	GRASONVILLE
State	MD
Zip	21638-1180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-5
Legal Description	LOT 37-EAST PROSPECT PLANTATION
Legal Subdivision	GREENHOME & OMARA INCORPORATI
Legal Lot Number	37
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	5, QUEENSTOWN
Census Block Group	3
Census Block	3003
Census Tract	810600

Owner

Source: Queen Anne's County records · APN 05-022452

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	217 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Nov 20, 2019	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOWARD BANK
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jun 14, 2018	Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 14, 2018 · Amount on Record
Deed Sale	Jun 14, 2018 · Amount on Record
Prior Sale	Dec 31, 2015 · Amount on Record
Deed Book / Page	2916 / 62
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	217 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1180
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047510161
Date	Mar 25, 2026
Book Page	4751/161

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	353 Months
Due	Aug 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	217 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1180
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032070173
Date	Nov 20, 2019
Book Page	3207/173

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	217 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1180
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	TERRAIN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031610214
Date	Sep 23, 2019
Book Page	3161/214

Lender

Name	HOWARD BANK
Type	Bank
Address	BALTIMORE, MD 21224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	217 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1180
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	UNIVERSAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036750095
Date	Apr 13, 2021
Book Page	3675/95

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	217 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1180
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038400162
Date	Sep 22, 2021
Book Page	3840/162

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Jun 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 14, 2018
Property Address	217 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1180
Document Number	0029160062
Book / Page	2916 / 062
Instrument Date	May 30, 2018
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	LIBERTY TITLE & ESCROW OF MA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,750.00
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	217 E PROSPECT, FISHING CREEK, MD 21634

Mortgage

Document Number	0000291669
Date	Jun 14, 2018
Instrument	2916/69

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2048

Tax Assessment & Valuation

Source: Queen Anne's County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Queen Anne's County
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

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
2026		$810,433 (+6.24%)	$858,000 (-) Land $273,500 Building $584,500
2025	$7,148.00 (+7.09%) Homeowner's exemption	$762,867 (+7.65%)	$858,000 (+19.95%) Land $273,500 Building $584,500
2023	$6,675.00 Homeowner's exemption	$708,667	$715,300 Land $213,000 Building $502,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 25, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 94 policies
Nearby Flood Policies	94 in force
Nearby Flood Claims	24 (2000–2024)
Claims Outside the SFHA	8 of 24
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 21 claims

Wildfire

Wildfire Risk	Low lower than 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Fiber	2,000 / 2,000
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 19 locations within half a mile of this property.

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