2822 McDuff Dr, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 2822 McDuff Dr, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,900 sqft · built 1990
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$521,000 (Sep 2021)
Tax Bill	$5,095 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-123707`

Property Details

APN / Parcel Number

Primary APN	`03-123707`
Alternative APNs	`3123707` `123707`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,900 sqft Total Area
Basement Area	986 sqft
Finished Basement	986 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Detached
Garage Area	1,472 sqft
Parking Spaces	5 Parking Spaces
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	123707
Street Address	2822 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 97R SEC D PLAT 1 THE HIGHLANDS
Legal Subdivision	THE HIGHLANDS
Legal Lot Number	97R
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 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	2822 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Feb 2, 2017	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2021 · Amount on Record
Deed Sale	Sep 23, 2021 · Amount on Record
Prior Sale	Jun 6, 2014 · Amount on Record
Deed Book / Page	6087 / 382
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 23, 2021
Property Address	2822 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Document Number	0060870382
Book / Page	6087 / 382
Map Reference	LB ABE 2 FO 184
Instrument Date	Jul 28, 2021
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,605.00
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	2822 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202

Mortgage

Document Number	6087391
Date	Sep 23, 2021
Instrument	6087/391

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2822 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Document Number	0049420048
Book / Page	004942 / 000048
Instrument Date	Feb 2, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2822 MCDUFF DR CHESAPEAKE BEACH MD 207323202, CHESAPEAKE BEACH, MD 20732-3202

Mortgage

Document Number	0049420048
Date	Feb 10, 2017
Book Page	004942/000048

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 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		$507,200 (+27.95%)	$517,200 (+2.99%) Land $126,500 Building $390,700
2025	$5,095.00 (+29.81%)
2023	$3,925.00	$396,400	$502,200 Land $126,500 Building $375,700

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
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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