Queen Anne's County property record for 304 Prospect Bay Dr E, Grasonville, MD 21638 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 3,544 sqft · built 1999 |
| Lot Size | 5.27 acres (229,561 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,150,000 (Sep 2023) |
| Tax Bill | $8,691 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-022177 |
| Primary APN | 05-022177 |
|---|---|
| Alternative APNs |
|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 3,544 sqft Total Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 229,561 sqft (5.27 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 360 sqft |
| Deck Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 022177 |
|---|---|
| Street Address | 304 PROSPECT BAY DR E |
| City | GRASONVILLE |
| State | MD |
| Zip | 21638-1181 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 PROSPECT PLANTATION |
| Legal Subdivision | PROSPECT PLANTATION PCLS C & D |
| Legal Block | EAST |
| Legal Lot Number | 11 |
| Jurisdiction | QUEEN ANNE'S MD |
| Township / Civil Division | 5, QUEENSTOWN |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 810600 |
Source: Queen Anne's County records · APN 05-022177
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 304 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 08, 2023 | Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Nov 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 08, 2023 · Amount on Record |
| Deed Sale | Sep 08, 2023 · Amount on Record |
| Prior Sale | Jun 29, 2015 · Amount on Record |
| Deed Book / Page | 4274 / 157 |
| Transfer Doc | 0012140218 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Property Address | 304 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | EQUITY SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0040250150 |
|---|---|
| Date | Apr 22, 2022 |
| Book Page | 4025/150 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Recording Date | Sep 08, 2023 |
| Property Address | 304 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181 |
| Document Number | 0042740157 |
| Book / Page | 4274 / 157 |
| Map Reference | MB CWC 2 PG 17 |
| Instrument Date | Sep 07, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2023 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 304 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181 |
| Document Number | 0042740163 |
|---|---|
| Date | Sep 08, 2023 |
| Instrument | 4274-0163 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Property Address | 304 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030030202 |
|---|---|
| Date | Nov 27, 2018 |
| Book Page | 3003/202 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
Source: Queen Anne's County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Queen Anne's County |
| Unified School District | Queen Annes County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,034,633 (+8.75%) | $1,117,900 (-) Land $430,600 Building $687,300 | |
| 2025 | $8,691.00 (+6.29%) Homeowner's exemption | $951,367 (+9.59%) | $1,117,900 (+28.78%) Land $430,600 Building $687,300 |
| 2023 | $8,177.00 | $868,100 Land $393,100 Building $475,000 | $868,100 Land $393,100 Building $475,000 |
Source: FEMA National Flood Hazard Layer, Queen Anne's County (24035C), updated October 25, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240358106003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 94 individual NFIP policies nearby |
| Nearby Flood Policies | 94 in force |
| Nearby Flood Claims | 24 (2000–2024) |
| Claims Outside the SFHA | 8 of 24 |
| Most Recent Claim | Jan 2024, tidal / storm surge |
| Claims By Storm |
|
| Wildfire Risk | Low above 32% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Talkie Communications | Fiber | 10,000 / 10,000 |
| Xfinity | Fiber | 2,000 / 2,000 |
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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