Calvert County property record for 3220 Mears Bend, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,560 sqft · built 2000 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $186,905 (Aug 2000) |
| Tax Bill | $4,308 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-131351 |
| Primary APN | 03-131351 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,560 sqft Total Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 131351 |
|---|---|
| Street Address | 3220 MEARS BND |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-4542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT 154-R PLAT 1 3220 MEARS BEND BAYVIEW HILLS |
| Legal Subdivision | BAYVIEW HILLS 01 |
| Legal Lot Number | 154R |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 860403 |
3220 Mears Bend is owned and occupied by two individuals who bought it in August 2000.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3220 MEARS BND, CHESAPEAKE BEACH, MD 20732-4542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2000 · Amount on File |
| Deed Sale | Aug 28, 2000 · Amount on File |
| Prior Sale | Feb 2, 1999 · Amount on File |
| Deed Document Number | 200010444 |
| Deed Book / Page | 1297 / 681 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 3220 MEARS BND, CHESAPEAKE BEACH, MD 20732-4542 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0059140054 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 5914/54 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 3220 MEARS BND, CHESAPEAKE BEACH, MD 20732-4542 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | 0061900269 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 6190/269 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 3220 Mears Bend was $4,308 with a homeowner's exemption.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Municipality | Chesapeake Beach Town |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $407,500 | $425,700 Land $100,200 Building $325,500 | |
| 2025 | $4,308.00 | ||
| 2023 | $3,555.00 Homeowner's exemption | $355,267 | $398,400 Land $100,200 Building $298,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3220 Mears Bend in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.
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 |
| Flood Insurance Cost | Premium on File median of 62 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 62 in force |
| Nearby Flood Claims | 2 (2003) |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
| Claims by Event |
|
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 risk around 3220 Mears Bend is low, with a 0.02% annual chance of wildfire.
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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | TOWN OF CHESAPEAKE BEACH serves 5,000 people · EPA ID MD0040003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 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 | 1 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 272 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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