Calvert County property record for 220 W Mount Harmony Rd, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,988 sqft · built 1976 |
| Lot Size | 2.17 acres (94,525 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,250 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-065073 |
| Primary APN | 03-065073 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,988 sqft Total Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 94,525 sqft (2.17 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 576 sqft |
| Porch | Slab |
| Porch Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 065073 |
|---|---|
| Street Address | 220 W MOUNT HARMONY RD |
| City | OWINGS |
| State | MD |
| Zip | 20736-8905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | 2.17 AC 220 W MT HARMONY RD OWINGS |
| Legal Subdivision | MAURICE & LINDA HARDESTY PROP |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 860200 |
220 W Mount Harmony Rd is owned and occupied by an individual.
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 | Individual Name on File |
|---|---|
| Mailing Address | 220 W MOUNT HARMONY RD, OWINGS, MD 20736-8905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 220 W Mount Harmony Rd was $4,250.
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 | $379,967 (+1.79%) | $393,300 (+5.36%) Land $155,800 Building $237,500 | |
| 2025 | $4,250.00 | $373,300 Land $155,800 Building $217,500 | $373,300 Land $155,800 Building $217,500 |
| 2023 | $3,477.00 | $334,700 | $373,300 Land $155,800 Building $217,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 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 220 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 67% of the US · above 68% 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 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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