3500 Prchal Rd, Preston, MD 21655 Property Records

Caroline County property record for 3500 Prchal Rd, Preston, MD 21655

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,392 sqft · built 2023
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Aug 2022)
Tax Bill	$4,866 (2026)
Deeds & Mortgages	Mar 2023 Construction Loan Aug 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-024664`

Property Details

APN / Parcel Number

Primary APN	`04-024664`
Alternative APNs	`4024664` `024664`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,392 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	024664
Street Address	3500 PRCHAL RD
City	PRESTON
State	MD
Zip	21655-1336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	2.0 AC L-4 NW/S PRCHAL ROAD W OF PRESTON
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	22361 HAVERCAMP RD, PRESTON, MD 21655-1358
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2023	Deed of Trust, Mortgage · Construction Mortgage SHORE UNITED BANK NA
Aug 22, 2022	Deed, Transfer EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Dec 6, 1995 · Amount on Record
Deed Book / Page	1591 / 358
Transfer Doc	0000000949
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	3500 PRCHAL RD, PRESTON, MD 21655-1336
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 PRCHAL ROAD, PRESTON, MD 21655

Mortgage

Document Number	0016200485
Date	Mar 22, 2023
Book Page	1620/485

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	10.7%
Index	1-Year CMT
Max Rate	10.7%

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Aug 22, 2022
Property Address	3500 PRCHAL RD, PRESTON, MD 21655-1336
Document Number	0015910358
Book / Page	1591 / 358
Map Reference	PL 687
Instrument Date	Aug 17, 2022
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22361 HAVERCAMP RD, PRESTON, MD 21655-1358

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	$4,866.00 (+6.73%)	$448,300 (+8.8%) Land $64,500 Building $383,800	$448,300 (-) Land $64,500 Building $383,800
2025	$4,559.00 (+957.77%)	$412,033 (+943.12%)	$448,300 (+1,034.94%) Land $64,500 Building $383,800
2023	$431.00	$39,500 Land $39,500	$39,500 Land $39,500

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 45% of the US · above 85% of Maryland
Wildfire Likelihood	0.06% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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