Caroline County property record for 3469 Gallagher Rd, Preston, MD 21655
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,869 sqft · built 2019 |
| Lot Size | 3.17 acres (138,085 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Jul 2019) |
| Tax Bill | $4,649 (2026) |
| Deeds & Mortgages | Mar 2020 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-025156 |
| Primary APN | 04-025156 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,869 sqft Total Area |
| Utility Area | 312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 138,085 sqft (3.17 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 102 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 025156 |
|---|---|
| Street Address | 3469 GALLAGHER RD |
| City | PRESTON |
| State | MD |
| Zip | 21655-2438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 3.17 AC L-2 SE/S GALLAGHER RD E OF PRESTON |
| Legal Subdivision | GREGORY N TURNER LAND |
| Legal Lot Number | 2 |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 4, PRESTON |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 955500 |
3469 Gallagher Rd is owned and occupied by two individuals who bought it in July 2019.
Source: Caroline County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3469 GALLAGHER RD, PRESTON, MD 21655-2438 |
| 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 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT STATE BANK INC |
| Jul 16, 2019 | Deed, Transfer · ARM PROVIDENT STATE BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2019 · Amount on File |
| Deed Sale | Jul 16, 2019 · Amount on File |
| Prior Sale | Feb 18, 1999 · Amount on File |
| Deed Book / Page | 1366 / 53 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 3469 GALLAGHER RD, PRESTON, MD 21655-2438 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | EASTERN SHORE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0014050154 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 1405/154 |
| Name | PROVIDENT STATE BANK INC |
|---|---|
| Type | Bank |
| Address | PRESTON, MD 21655 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE MD |
| Recording Date | Jul 16, 2019 |
| Property Address | 3469 GALLAGHER RD, PRESTON, MD 21655-2438 |
| Document Number | 0013660053 |
| Book / Page | 1366 / 053 |
| Map Reference | FILE 7 PL 29 |
| Instrument Date | Jul 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | EASTERN SHORE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3469 GALLAGHER RD, PRESTON, MD 21655-2438 |
| Document Number | 0000136658 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | 1366/58 |
| Name | PROVIDENT STATE BANK INC |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jul 10, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.62% |
| Index | 1-Year LIBOR |
| Max Rate | 9.62% |
The 2026 property tax bill for 3469 Gallagher Rd was $4,649 with a homeowner's exemption, up 3.4% from the year before.
Source: Caroline County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Caroline County |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,649.00 (+3.45%) Homeowner's exemption | $489,200 Land $69,700 Building $419,500 | $489,200 Land $69,700 Building $419,500 |
| 2025 | $4,494.00 | ||
| 2023 | $3,985.00 (+2.6%) Homeowner's exemption | $376,600 (+5.86%) Land $69,700 Building $306,900 | $376,600 (-) Land $69,700 Building $306,900 |
| 2022 | $3,884.00 Homeowner's exemption | $355,767 | $376,600 Land $69,700 Building $306,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3469 Gallagher Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3469 Gallagher Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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