25 Cross Point Dr, Owings, MD 20736 Property Records

Calvert County property record for 25 Cross Point Dr, Owings, MD 20736 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 2001
Square Footage	3,809 sqft Total Area
Lot Size	41,226 sqft (0.946 acres)
Garage	Built-in, 440 sqft
Occupancy	Owner Occupied
Last Sale	$279,856 (2001)
Tax Bill	$7,540.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03-154742`
Alternative APNs	`3154742` `154742`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	3,809 sqft Total Area
Basement Area	1,093 sqft Basement
Finished Basement	1,093 sqft Finished
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	41,226 sqft (0.946 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Built-in Garage
Garage Area	440 sqft Garage
Deck Area	552 sqft Deck
Porch Area	228 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	154742
Street Address	25 CROSS POINT DR
City	OWINGS
State	MD
Zip	20736-3320
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT 48RR PLAT 3 CROSS POINT
Legal Subdivision	CROSS POINT
Legal Lot Number	48RR
Jurisdiction	CALVERT MD
Minor Civil Division	3, SUNDERLAND
Census Blockgroup	2
Census Block	2001
Census Tract	860200

Owner

Source: Calvert County records · APN 03-154742

Assessment roll updated July 28, 2026 · 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	25 CROSS POINT DR, OWINGS, MD 20736-3320
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 04, 2001 · Amount on Record
Deed Sale	Apr 04, 2001 · Amount on Record
Deed Doc Number	20013097
Deed Book / Page	1364 / 604
Record Refreshed	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	25 CROSS POINT DR, OWINGS, MD 20736-3320
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060490006
Date	Aug 12, 2021
Book Page	6049/6

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 28, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert 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		$699,400 (+14.23%)	$730,600 (+6.84%) Land $189,500 Building $541,100
2025	$7,540.00 (+18.53%)
2023	$6,361.00 Homeowner's exemption	$612,267	$683,800 Land $189,500 Building $494,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.