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

Queen Anne's County property record for 316 Prospect Bay Dr E, Grasonville, MD 21638

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,269 sqft · built 1980
Lot Size	5.33 acres (232,175 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Jun 2024)
Tax Bill	$11,169 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-022142`

Property Details

APN / Parcel Number

Primary APN	`05-022142`
Alternative APNs	`5022142` `022142`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,269 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	232,175 sqft (5.33 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	423 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	022142
Street Address	316 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 8 PROSPECT PLANTATION
Legal Subdivision	PROSPECT PLANTATION
Legal Block	EAST
Legal Lot Number	8
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 September 21, 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	316 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Jan 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Mar 3, 2009 · Amount on Record
Deed Book / Page	4406 / 9
Transfer Doc	0000000701
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	316 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Transaction Type	Mortgage
Record Updated	Feb 13, 2026
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181

Mortgage

Document Number	0047180141
Date	Feb 2, 2026
Book Page	4718/141

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BETHESDA, MD 20816

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	316 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	PRUITT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1181

Mortgage

Document Number	0047040064
Date	Jan 7, 2026
Book Page	4704/64

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

Source: Queen Anne's County assessment roll, as of September 21, 2026

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		$1,303,067 (+23.98%)	$1,426,800 (+35.16%) Land $858,200 Building $568,600
2025	$11,169.00 (+12.82%) Homeowner's exemption
2023	$9,900.00	$1,051,033	$1,055,600 Land $670,700 Building $384,900

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

Nearby Properties on Prospect Bay Dr E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures