2485 Fenwick Cir, Bryans Road, MD 20616 Property Records

Charles County property record for 2485 Fenwick Cir, Bryans Road, MD 20616

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,846 sqft · built 1931
Lot Size	0.396 acres (17,250 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Oct 2018)
Tax Bill	$8,535 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-028717`

Property Details

APN / Parcel Number

Primary APN	`07-028717`
Alternative APNs	`7028717` `028717`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,846 sqft Living Area
Gross Area	1,990 sqft
1st Floor Area	1,526 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,250 sqft (0.396 acres)
View / Lot	Waterfront

Exterior Amenities

Deck Area	144 sqft
Patio Area	330 sqft
Shed	1 Shed
Shed Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	028717
Street Address	2485 FENWICK CIR
City	BRYANS ROAD
State	MD
Zip	20616-3135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	6 LOTS & P/O 2-L FENWICK SUB
Legal Subdivision	FENWICK SUB
Legal Block	2
Legal Lot Number	P
Jurisdiction	CHARLES MD
Township / Civil Division	7, POMONKEY
Census Block Group	2
Census Block	2025
Census Tract	850101

Owner

2485 Fenwick Cir is owned and occupied by an individual who bought it in October 2018.

Source: Charles County records, as of September 18, 2026

Owner of Record	Individual Name on File
Mailing Address	2485 FENWICK CIR, BRYANS ROAD, MD 20616-3135
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage BREEZE FUNDING INC
Apr 30, 2020	Deed of Trust, Mortgage RELIANCE FIRST CAP
Oct 24, 2018	Deed, Transfer · Conventional Mortgage BOKF NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on File
Deed Sale	Oct 24, 2018 · Amount on File
Prior Sale	Jan 14, 1991 · Amount on File
Deed Book / Page	10436 / 75
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2485 FENWICK CIR, BRYANS ROAD, MD 20616-3135
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2485 FENWICK CIR, BRYANS ROAD, MD 20616-3135

Mortgage

Document Number	0132010038
Date	Feb 13, 2024
Book Page	13201/38

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2039

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2485 FENWICK CIR, BRYANS ROAD, MD 20616-3135
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2485 FENWICK CIR, BRYANS ROAD, MD 20616-3135

Mortgage

Document Number	0122290446
Date	Nov 19, 2021
Book Page	12229/446

Lender

Name	BREEZE FUNDING INC
Type	Mortgage Company
Address	LAGUNA HILLS, CA 92653

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2485 FENWICK CIR, BRYANS ROAD, MD 20616-3135
Document Number	0111360436
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	AMC SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2485 FENWICK CIR BRYANS ROAD MD 206163135, BRYANS ROAD, MD 20616-3135

Mortgage

Document Number	0111360436
Date	May 20, 2020
Book Page	011136/000436

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Amount	Amount on Record
Term	336 Months
Due	May 19, 2048

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Oct 24, 2018
Property Address	2485 FENWICK CIR, BRYANS ROAD, MD 20616-3135
Document Number	0104360075
Book / Page	10436 / 075
Instrument Date	Oct 15, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,900.00
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	2485 FENWICK CIR, BRYANS ROAD, MD 20616-3135

Mortgage

Document Number	0001043680
Date	Oct 24, 2018
Instrument	10436/80

Lender

Name	BOKF NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2485 Fenwick Cir was $8,535 with a homeowner's exemption.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$343,500 (-1.46%) Land $80,400 Building $263,100	$343,500 (-1.46%) Land $80,400 Building $263,100
2025	$8,535.00 Homeowner's exemption	$348,600 Land $80,400 Building $268,200	$348,600 Land $80,400 Building $268,200
2023	$3,362.00 Homeowner's exemption	$304,333	$348,600 Land $80,400 Building $268,200

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

Flood

FEMA maps place 2485 Fenwick Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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 File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (2003–2020)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2020 · rainfall accumulation
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 2485 Fenwick Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.01% 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)
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Fenwick Cir

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