3099 Choptank Rd, Preston, MD 21655 Property Records

Caroline County property record for 3099 Choptank Rd, Preston, MD 21655

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,802 sqft · built 1999
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Dec 2017)
Tax Bill	$3,903 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-002849`

Property Details

APN / Parcel Number

Primary APN	`04-002849`
Alternative APNs	`4002849` `002849`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,802 sqft Total Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Mixed
Garage Area	1,260 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	002849
Street Address	3099 CHOPTANK RD
City	PRESTON
State	MD
Zip	21655-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	21,780 SF SE/S CHOPTANK RD SW OF PRESTON
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 August 18, 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	3099 CHOPTANK RD, PRESTON, MD 21655-1208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Dec 15, 2017	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2017 · Amount on Record
Deed Sale	Dec 15, 2017 · Amount on Record
Prior Sale	Feb 8, 1984 · Amount on Record
Deed Document Number	20171289-135
Deed Book / Page	1289 / 135
Transfer Doc	0000000783
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	3099 CHOPTANK RD, PRESTON, MD 21655-1208
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014810446
Date	Apr 1, 2021
Book Page	1481/446

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 1, 2046

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 15, 2017
Property Address	3099 CHOPTANK RD, PRESTON, MD 21655-1208
Document Number	0012890135
Book / Page	1289 / 135
Map Reference	LI346 FL167
Instrument Date	Dec 8, 2017
Instrument	1289-135
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	EASTERN SHORE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,575.00
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	3099 CHOPTANK RD, PRESTON, MD 21655-1208

Mortgage

Document Number	1289139
Date	Dec 15, 2017
Instrument	1289-139

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$440,500 (+33.36%) Land $45,000 Building $395,500	$440,500 (+33.36%) Land $45,000 Building $395,500
2025	$3,903.00 (+13.13%)
2023	$3,450.00 Homeowner's exemption	$330,300 Land $45,000 Building $285,300	$330,300 Land $45,000 Building $285,300

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 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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