2817 McDuff Dr, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 2817 McDuff Dr, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,728 sqft · built 1991
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$422,300 (Nov 2019)
Tax Bill	$4,964 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-123596`

Property Details

APN / Parcel Number

Primary APN	`03-123596`
Alternative APNs	`3123596` `123596`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,728 sqft Total Area
Basement Area	816 sqft
Finished Basement	816 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Built-in
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	595 sqft
Porch	Slab
Porch Area	416 sqft
Deck Area	393 sqft
Gazebo	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	123596
Street Address	2817 MCDUFF DR
City	CHESAPEAKE BEACH
State	MD
Zip	20732-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 88R SEC D PLAT 1 THE HIGHLANDS
Legal Subdivision	PLAT 1 THE HIGHLANDS
Legal Lot Number	88R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
Census Tract	860404

Owner

Source: Calvert County records, as of December 2, 2025

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	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Sep 1, 2020	Deed of Trust, Mortgage · VA Mortgage BAY CAPITAL MORTGAGE CORP
May 18, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 8, 2019	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 9, 2019	Intrafamily Transfer, Transfer VELOCITY NATIONAL TTL CO LLC
Sep 17, 2018	Deed, Transfer · Conventional Mortgage RESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2019 · Amount on Record
Deed Sale	Nov 8, 2019 · Amount on Record
Prior Sale	Sep 17, 2018 · Amount on Record
Deed Book / Page	5470 / 240
Prior Transfer Date	Feb 28, 2019
Prior Transfer Doc	0053400538
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063170388
Date	Jul 22, 2022
Book Page	6317/388

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	PRECISE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202

Mortgage

Document Number	0056850031
Date	Sep 1, 2020
Book Page	5685/31

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059640229
Date	May 18, 2021
Book Page	5964/229

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 8, 2019
Property Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Document Number	0054700240
Book / Page	5470 / 240
Map Reference	LB ABE 532 FO 248
Instrument Date	Sep 20, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,055.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202

Mortgage

Document Number	5470249
Date	Nov 8, 2019
Instrument	5470/249

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2049

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Apr 9, 2019
Property Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Document Number	0053400538
Book / Page	5340 / 538
Map Reference	LB ABE 532 FO 248
Instrument Date	Feb 28, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	VELOCITY NATIONAL TTL CO LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 17, 2018
Property Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Document Number	0052540076
Book / Page	5254 / 076
Map Reference	LB ABE532 FO248
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND FIRST TITLE LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$972.50
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
Relationship	Tenants by the Entirety
Address	2817 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202

Mortgage

Document Number	0000525483
Date	Sep 17, 2018
Instrument	5254/83

Lender

Name	RESIDENTIAL BANK FSB
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$4,964.00 (+19.87%)	$445,000 (+11.64%) Land $126,500 Building $318,500	$445,000 (-) Land $126,500 Building $318,500
2023	$4,141.00	$398,600	$445,000 Land $126,500 Building $318,500

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	2 (2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel
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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SUMMIT/HIGHLANDS serves 1,108 people · EPA ID MD0040026
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 371 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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