3104 Bennett Point Rd, Queenstown, MD 21658 Property Records

Queen Anne's County property record for 3104 Bennett Point Rd, Queenstown, MD 21658

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,078 sqft · built 2017
Lot Size	5.06 acres (220,414 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,175,000 (Oct 2012)
Tax Bill	$16,552 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-022002`

Property Details

APN / Parcel Number

Primary APN	`05-022002`
Alternative APNs	`5022002` `022002`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	4,078 sqft Total Area
Utility Area	132 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	220,414 sqft (5.06 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	971 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,858 sqft
Deck Area	326 sqft
Patio Area	594 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022002
Street Address	3104 BENNETT POINT RD
City	QUEENSTOWN
State	MD
Zip	21658-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-5
Legal Description	LOT 49 SECTION I BENNETTS POINT
Legal Subdivision	BENNETTS POINT
Legal Lot Number	49
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	5, QUEENSTOWN
Census Block Group	3
Census Block	3013
Census Tract	810600

Owner

Source: Queen Anne's 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	3104 BENNETT POINT RD, QUEENSTOWN, MD 21658-1125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2012 · Amount on Record
Deed Sale	Oct 25, 2012 · Amount on Record
Prior Sale	Feb 16, 2006 · Amount on Record
Deed Document Number	2012418907
Deed Book / Page	2142 / 449
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	3104 BENNETT POINT RD, QUEENSTOWN, MD 21658-1125
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040160251
Date	Apr 11, 2022
Book Page	4016/251

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	Other
Max Rate	7.37%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	3104 BENNETT POINT RD, QUEENSTOWN, MD 21658-1125
Document Number	0028390269
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 BENNETT POINT RD QUEENSTOWN MD 216581125, QUEENSTOWN, MD 21658-1125

Mortgage

Document Number	0028390269
Date	Jan 22, 2018
Book Page	002839/000269

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 20255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Queen Anne's County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Queen Anne's County
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,859,300 (+14.34%)	$1,956,000 (+17.41%) Land $905,600 Building $1,050,400
2025	$16,552.00 (+8.06%) Homeowner's exemption
2023	$15,317.00 Homeowner's exemption	$1,626,100	$1,665,900 Land $800,300 Building $865,600

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 25, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 94 policies
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 Event	Hurricane Isabel, Sep 2003 · 21 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	Low lower than 99.8% of the US · lower than 99.8% of Maryland
Wildfire Likelihood	Under 0.01% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Fiber	2,000 / 2,000
Breezeline Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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