2885 Grays Rd, Prince Frederick, MD 20678 Property Records

Calvert County property record for 2885 Grays Rd, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,408 sqft · built 1980
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Feb 2017)
Tax Bill	$2,595 (2023)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-155784`

Property Details

APN / Parcel Number

Primary APN	`01-155784`
Alternative APNs	`1155784` `155784`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,408 sqft Total Area
1st Floor Area	1,408 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Deck Area	232 sqft
Shed	1 Shed
Shed Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	155784
Old Parcel Number	1155784
Street Address	2885 GRAYS RD
City	PRINCE FREDERICK
State	MD
Zip	20678-5305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	5 AC 2885 GRAYS RD MUTUAL
Legal Lot Number	1 2885
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1006
Census Tract	860801

Owner

2885 Grays Rd is owned and occupied by an individual who bought it in February 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2885 GRAYS RD, PRINCE FREDERICK, MD 20678-5305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC
Feb 3, 2017	Deed, Transfer · FHA Mortgage UNIVERSAL MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2017 · Amount on File
Deed Sale	Feb 3, 2017 · Amount on File
Deed Document Number	171954
Deed Book / Page	4936 / 494
Record Updated	Jun 7, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2885 GRAYS RD, PRINCE FREDERICK, MD 20678-5305
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CALVERT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2885 GRAYS RD, PRINCE FREDERICK, MD 20678-5305

Mortgage

Document Number	0056910397
Date	Sep 8, 2020
Book Page	5691/397

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	EDGEWATER, MD 21037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 3, 2017
Property Address	2885 GRAYS RD, PRINCE FREDERICK, MD 20678-5305
Document Number	0049360494
Book / Page	4936 / 494
Instrument Date	Jan 27, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ULIMATED TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	1216 SEABURY LN, BOWIE, MD 20715

Mortgage

Document Number	0004936499
Date	Feb 3, 2017
Instrument	4936/499

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

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	$2,595.00 Homeowner's exemption	$249,800 Land $144,100 Building $105,700	$249,800 Land $144,100 Building $105,700

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

Flood

FEMA maps place 2885 Grays Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2016 · rainfall accumulation

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 2885 Grays Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 83% of Maryland
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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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