3069 Choptank Rd, Preston, MD 21655 Property Records

Caroline County property record for 3069 Choptank Rd, Preston, MD 21655

Property Summary

Property Type	Rural Home
Details	2.5 ba · 1,871 sqft · built 2003
Lot Size	30 acres (1,306,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$930,000 (Oct 2025)
Tax Bill	$5,660 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-009118`

Property Details

APN / Parcel Number

Primary APN	`04-009118`
Alternative APNs	`4009118` `009118`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,871 sqft Total Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,306,800 sqft (30 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	612 sqft
Porch	Slab
Porch Area	364 sqft
Patio Area	284 sqft
Shed	1 Shed
Shed Area	1,920 sqft
Bath House	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	009118
Street Address	3069 CHOPTANK RD
City	PRESTON
State	MD
Zip	21655-1208
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R
Legal Description	30.00 AC SES CHOPTANK RD SW OF PRESTON
Legal Subdivision	GILBERT CHARLES LANDS
Jurisdiction	CAROLINE MD
Township / Civil Division	4, PRESTON
Census Block Group	3
Census Block	3048
Census Tract	955500

Owner

Source: Caroline County records, as of October 20, 2026

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	2 Individual Names on Record
Mailing Address	3069 CHOPTANK RD, PRESTON, MD 21655-1208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 31, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Oct 23, 2025	Deed, Transfer · Conventional Mortgage ORIGINPOINT LLC
Jun 4, 2019	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	Jun 4, 2019 · Amount on Record
Deed Book / Page	1754 / 88
Transfer Doc	0005430284
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	3069 CHOPTANK RD, PRESTON, MD 21655-1208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014770090
Date	Mar 15, 2021
Book Page	1477/90

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	3069 CHOPTANK RD, PRESTON, MD 21655-1208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3069 CHOPTANK RD, PRESTON, MD 21655-1208

Mortgage

Document Number	0016990444
Date	Oct 31, 2024
Book Page	1699/444

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2044

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Oct 23, 2025
Property Address	3069 CHOPTANK RD, PRESTON, MD 21655-1208
Document Number	0017540088
Book / Page	1754 / 88
Map Reference	MB 8 FO 49
Instrument Date	Sep 29, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,650.00
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	3069 CHOPTANK RD, PRESTON, MD 21655-1208

Mortgage

Document Number	0000175496
Date	Oct 23, 2025
Instrument	1754/96

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 4, 2019
Property Address	3069 CHOPTANK RD, PRESTON, MD 21655-1208
Document Number	0013590361
Book / Page	001359 / 000361
Instrument Date	May 30, 2019
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	BAY E TITLE COMPANY LLC, BAY E TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3069 CHOPTANK RD PRESTON MD 216551208, PRESTON, MD 21655-1208

Mortgage

Document Number	13590367
Date	Jun 4, 2019
Book Page	001359/000367

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2049

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,660.00 (+483.51%) Homeowner's exemption	$522,400 (+10.87%) Land $74,500 Building $447,900	$522,400 (-) Land $74,500 Building $447,900
2025	$970.00 (+6.48%) Homeowner's exemption	$471,200 (+27.77%)	$522,400 (+41.65%) Land $74,500 Building $447,900
2023	$911.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$368,800 Land $74,500 Building $294,300	$368,800 Land $74,500 Building $294,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 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 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	9 (2003–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 6 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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500

Cell Coverage

5G and 4G LTE (outdoors only)

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