265 Dearbourne Ct, Owings, MD 20736 Property Records

Calvert County property record for 265 Dearbourne Ct, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,457 sqft · built 2002
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jul 2014)
Tax Bill	$7,317 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2018 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-171647`

Property Details

APN / Parcel Number

Primary APN	`03-171647`
Alternative APNs	`3171647` `171647`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,457 sqft Total Area
Basement Area	1,219 sqft
Finished Basement	1,219 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Built-in
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	202 sqft
Deck Area	666 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	171647
Street Address	265 DEARBOURNE CT
City	OWINGS
State	MD
Zip	20736-3330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 69 PLAT 3 CROSS POINT AT DOWELL
Legal Subdivision	CROSS POINT AT DOWELL
Legal Lot Number	69
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2001
Census Tract	860200

Owner

Source: Calvert County records, as of July 28, 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 Record
Mailing Address	265 DEARBOURNE CT, OWINGS, MD 20736-3330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 11, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EDUCATIONAL SYSTEMS FCU
Feb 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 16, 2017	Loan Modification, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2014 · Amount on Record
Deed Sale	Jul 24, 2014 · Amount on Record
Prior Sale	Feb 13, 2002 · Amount on Record
Deed Book / Page	4412 / 428
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	265 DEARBOURNE CT, OWINGS, MD 20736-3330
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061460046
Date	Nov 17, 2021
Book Page	6146/46

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	May 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	265 DEARBOURNE CT, OWINGS, MD 20736-3330
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052500406
Date	Sep 11, 2018
Book Page	5250/406

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20768

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2033

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	265 DEARBOURNE CT, OWINGS, MD 20736-3330
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062230166
Date	Feb 18, 2022
Book Page	6223/166

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALVERT MD
Property Address	265 DEARBOURNE CT, OWINGS, MD 20736-3330
Document Number	0050880168
Book / Page	005088 / 000168
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	265 DEARBOURNE CT OWINGS MD 207363330, OWINGS, MD 20736-3330

Mortgage

Document Number	0050880168
Date	Oct 30, 2017
Book Page	005088/000168

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2047

Tax Assessment & Valuation

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		$678,000 (+13.98%)	$707,800 (+6.74%) Land $191,400 Building $516,400
2025	$7,317.00 (+18.4%)
2023	$6,180.00	$594,833	$663,100 Land $191,400 Building $471,700

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Wildfire Risk	Low lower than 80% of the US · above 41% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CROSS POINT SUBDIVISION serves 434 people · EPA ID MD0040052
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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