3490 Prchal Rd, Preston, MD 21655 Property Records

Caroline County property record for 3490 Prchal Rd, Preston, MD 21655

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,500 sqft · built 1981
Lot Size	2.15 acres (93,654 sqft)
Owner	Company Name on Record
Last Sale	$434,150 (Dec 2022)
Tax Bill	$4,511 (2026)
Deeds & Mortgages	May 2026 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-022106`

Property Details

APN / Parcel Number

Primary APN	`04-022106`
Alternative APNs	`4022106` `022106`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,500 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	93,654 sqft (2.15 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	360 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022106
Street Address	3490 PRCHAL RD
City	PRESTON
State	MD
Zip	21655-1369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	2.155 AC W/S PRCHAL ROAD W OF PRESTON
Jurisdiction	CAROLINE MD
Township / Civil Division	4, PRESTON
Census Block Group	3
Census Block	3025
Census Tract	955500

Owner

Source: Caroline County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3490 PRCHAL RD, PRESTON, MD 21655-1369
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage TITLE EXCELLENCE LLC, TITLE EXCELLENCE
Dec 29, 2022	Deed, Transfer · Unknown PROVIDENT STATE BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2022 · Amount on Record
Deed Sale	Dec 29, 2022 · Amount on Record
Deed Book / Page	1610 / 383
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Recording Date	May 21, 2026
Property Address	3490 PRCHAL RD, PRESTON, MD 21655-1369
Document Number	1787000485
Book / Page	1787 / 485
Instrument Date	May 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	3490 PRCHAL RD, PRESTON, MD 21655-1369

Mortgage

Document Number	1787000485,
Date	May 21, 2026
Book Page	1787/485

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 29, 2022
Property Address	3490 PRCHAL RD, PRESTON, MD 21655-1369
Document Number	0016100383
Book / Page	1610 / 383
Map Reference	FILE 10 PL 687
Instrument Date	Dec 22, 2022
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9121 HONEYSUCKLE DR, EASTON, MD 21601-6374

Mortgage

Document Number	0016100392
Date	Dec 29, 2022
Instrument	1610-0392

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank

Agreement

Type	Unknown
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,511.00 (+9.01%)	$415,200 (+11.16%) Land $65,100 Building $350,100	$415,200 (-) Land $65,100 Building $350,100
2025	$4,138.00 (+30.66%)	$373,500 (+28.75%)	$415,200 (+43.12%) Land $65,100 Building $350,100
2023	$3,167.00	$290,100 Land $65,100 Building $225,000	$290,100 Land $65,100 Building $225,000

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 15, 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 Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	9 (2003–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 6 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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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