2831 McDuff Dr, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 2831 McDuff Dr, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,220 sqft · built 1991
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Sep 2021)
Tax Bill	$3,569 (2023)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-123545`

Property Details

APN / Parcel Number

Primary APN	`03-123545`
Alternative APNs	`3123545` `123545`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,220 sqft Total Area
1st Floor Area	1,220 sqft
Basement Area	1,037 sqft
Finished Basement	1,037 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Split Foyer
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	380 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	123545
Old Parcel Number	3123545
Street Address	2831 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 84R SEC D PLAT 1 THE HIGHLANDS
Legal Subdivision	HIGHLANDS SEC D 01
Legal Lot Number	84R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
Census Tract	860404

Owner

2831 McDuff Dr is owned and occupied by an individual who bought it in September 2021.

Source: Calvert County records, as of September 18, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2831 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2021 · Amount on File
Deed Sale	Sep 27, 2021 · Amount on File
Deed Document Number	0000609184
Deed Book / Page	6091 / 84
Record Updated	Jun 7, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 27, 2021
Property Address	2831 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202
Document Number	0060910081
Book / Page	6091 / 81
Map Reference	LB ABE 2 FO 184
Instrument Date	Aug 27, 2021
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	NOT AVAILABLE, EXPRESS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2831 MCDUFF DR, 2831, CHESAPEAKE BEACH, MD 20732-3202

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2831 MCDUFF DR, CHESAPEAKE BEACH, MD 20732-3202

Mortgage

Document Number	609190
Date	Sep 27, 2021
Instrument	6091/90

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$3,569.00	$360,233	$456,100 Land $126,500 Building $329,600

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

Flood

FEMA maps place 2831 McDuff Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

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 File 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

Wildfire risk around 2831 McDuff Dr is low, with a 0.03% annual chance of 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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