Calvert County property record for 315 Split Oak Ln, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,297 sqft · built 2002 |
| Lot Size | 0.672 acres (29,290 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $311,708 (Jan 2002) |
| Tax Bill | $6,645 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-172104 |
| Primary APN | 03-172104 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,297 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 29,290 sqft (0.672 acres) |
| Garage Type | Built-in |
| Garage Area | 490 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 396 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 172104 |
|---|---|
| Street Address | 315 SPLIT OAK LN |
| City | OWINGS |
| State | MD |
| Zip | 20736-3331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | LT 79 PLAT 4 CROSS POINT AT DOWELL |
| Legal Subdivision | CROSS POINT DOWELL |
| Legal Lot Number | 79 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 860200 |
Source: Calvert County records, as of July 28, 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 | 315 SPLIT OAK LN, OWINGS, MD 20736-3331 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2002 · Amount on Record |
| Deed Sale | Jan 29, 2002 · Amount on Record |
| Deed Document Number | 20022568 |
| Deed Book / Page | 1519 / 119 |
| Record Updated | Sep 20, 2026 |
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $613,967 (+13.6%) | $640,300 (+6.57%) Land $184,100 Building $456,200 | |
| 2025 | $6,645.00 (+18.34%) | ||
| 2023 | $5,615.00 | $540,467 | $600,800 Land $184,100 Building $416,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 18, 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2002–2003) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2003 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CROSS POINT SUBDIVISION serves 434 people · EPA ID MD0040052 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G and 4G LTE (outdoors only)
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