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3136 Whispering Dr, Prince Frederick, MD 20678 Property Records

Calvert County property record for 3136 Whispering Dr, Prince Frederick, MD 20678

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 2,112 sqft · built 1997
Lot Size5.25 acres (228,690 sqft)
Owner2 Individual Names on File
Last Sale$425,000 (Mar 2019)
Tax Bill$5,591 (2025)
Deeds & MortgagesOct 2019 Mortgage
Mar 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-220977

Property Details

APN / Parcel Number

Primary APN01-220977
Alternative APNs
  • 1220977
  • 220977

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,112 sqft Total Area
Basement Area745 sqft
Finished Basement745 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area228,690 sqft (5.25 acres)
Garage TypeMixed
Garage Area442 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area180 sqft
Deck Area120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number220977
Street Address3136 WHISPERING DR
CityPRINCE FREDERICK
StateMD
Zip20678-3398
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRUR
Legal DescriptionLT 59R SEC 3 PLATS 6 & 7REP WHISPERING WOODS
Legal SubdivisionPLAT SIX AND SEVEN WHISPERING WOODS
Legal Lot Number59R
JurisdictionCALVERT MD
Township / Civil Division2, PRINCE FREDERICK
Census Block Group1
Census Block1010
Census Tract860801

Owner

3136 Whispering Dr is owned and occupied by two individuals who bought it in March 2019.

Source: Calvert County records, as of July 28, 2026

Owner of Record2 Individual Names on File
Mailing Address3136 WHISPERING DR, PRINCE FREDERICK, MD 20678-3398
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2019Deed of Trust, Mortgage · FHA Mortgage
LOANDEPOT.COM LLC
Mar 1, 2019Deed, Transfer · FHA Mortgage
CMG MORTGAGE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 1, 2019 · Amount on File
Deed SaleMar 1, 2019 · Amount on File
Prior SaleSep 16, 2008 · Amount on File
Deed Book / Page5324 / 376
Transfer DocKPS026820150
Record UpdatedOct 29, 2026

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALVERT MD
Property Address3136 WHISPERING DR, PRINCE FREDERICK, MD 20678-3398
Document Number0055100185
Instrument DateOct 22, 2019
Transaction TypeMortgage
Record UpdatedJan 31, 2020
Title CompanyENDEAVOR TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3136 WHISPERING DR PRINCE FREDERICK MD 206783398, PRINCE FREDERICK, MD 20678-3398

Mortgage

Document Number0055100185
DateJan 13, 2020
Book Page005510/000185
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJan 12, 2050

March 2019: Deed, Transfer

Document TypeDeed
JurisdictionCALVERT MD
Recording DateMar 1, 2019
Property Address3136 WHISPERING DR, PRINCE FREDERICK, MD 20678-3398
Document Number0053240376
Book / Page5324 / 376
Map ReferenceLB ABE 4 FO 236
Instrument DateFeb 15, 2019
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyTRUE TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,062.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address3136 WHISPERING DR, PRINCE FREDERICK, MD 20678-3398
InvestorPossibly a Property Investor

Mortgage

Document Number0005324383
DateMar 1, 2019
Instrument5324/383
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3136 Whispering Dr was $5,591.

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCalvert County
Unified School DistrictCalvert County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$529,700 (+6.44%) Land $203,100 Building $326,600$529,700 (-) Land $203,100 Building $326,600
2025$5,591.00$497,633$529,700 Land $203,100 Building $326,600
2023$4,504.00$433,500 Land $203,100 Building $230,400$433,500 Land $203,100 Building $230,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3136 Whispering Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2016)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 2016 · rainfall accumulation

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

Wildfire risk around 3136 Whispering Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 51% of the US · above 88% of Maryland
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 56 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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