312 Prospect Bay Dr E, Grasonville, MD 21638 Property Records

Queen Anne's County property record for 312 Prospect Bay Dr E, Grasonville, MD 21638

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,344 sqft · built 1980
Lot Size	5.49 acres (239,144 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Apr 1997)
Tax Bill	$8,676 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-022150`

Property Details

APN / Parcel Number

Primary APN	`05-022150`
Alternative APNs	`5022150` `022150`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,344 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	239,144 sqft (5.49 acres)
View / Lot	Waterfront
Pool Area	684 sqft
Porch	Slab
Porch Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	022150
Street Address	312 PROSPECT BAY DR E
City	GRASONVILLE
State	MD
Zip	21638-1181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-5
Legal Description	LOT 9 PROSPECT PLANTATION
Legal Subdivision	PROSPECT PLANTATION
Legal Block	EAST
Legal Lot Number	9
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	5, QUEENSTOWN
Census Block Group	3
Census Block	3003
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	312 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Feb 14, 2017	Deed of Trust, Mortgage · VA Mortgage SUNTRUST MORTGAGE INC
Nov 21, 2018	Deed of Trust, Mortgage · Commercial Mortgage M & T BANK
May 29, 2019	Deed of Trust, Mortgage BANKUNITED FSB
Jan 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage M & T BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 1997 · Amount on Record
Deed Sale	Apr 17, 1997 · Amount on Record
Deed Document Number	1997112
Deed Book / Page	566 / 719
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jul 7, 2026
Property Address	312 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Document Number	4810000261
Book / Page	4810 / 261
Instrument Date	Jun 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181

Mortgage

Document Number	4810000261,
Date	Jul 7, 2026
Book Page	4810/261

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.87%
Initial Type	Fixed Rate
Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	312 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026430253
Date	Feb 14, 2017
Book Page	2643/253
Instrument	2643-253

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	312 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	MID ATLANTIC TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030030029
Date	Nov 21, 2018
Book Page	3003/029

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	312 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Document Number	0031020044
Instrument Date	May 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	312 PROSPECT BAY DR E GRASONVILLE MD 216381181, GRASONVILLE, MD 21638-1181

Mortgage

Document Number	0031020044
Date	Jun 13, 2019
Book Page	003102/000044

Lender

Name	BANKUNITED FSB
Type	Federal Savings Bank
Address	MIAMI LAKES, FL 33016

Agreement

Amount	Amount Recorded

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	312 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Document Number	0030440005
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 PROSPECT BAY DR E GRASONVILLE MD 216381181, GRASONVILLE, MD 21638-1181

Mortgage

Document Number	0030440005
Date	Feb 22, 2019
Book Page	003044/000005

Lender

Name	M & T BK
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$1,016,533 (+7.9%)	$1,091,000 (-) Land $701,200 Building $389,800
2025	$8,676.00 (+6.17%) Homeowner's exemption	$942,067 (+8.58%)	$1,091,000 (+25.75%) Land $701,200 Building $389,800
2023	$8,172.00 Homeowner's exemption	$867,600 Land $551,200 Building $316,400	$867,600 Land $551,200 Building $316,400

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 AE, within 500 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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.01% 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 26 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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