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3540 Chesapeake Beach Rd, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 3540 Chesapeake Beach Rd, Chesapeake Beach, MD 20732

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 1,700 sqft · built 1987
Lot Size3.32 acres (144,619 sqft)
Owner2 Individual Names on File
Last Sale$375,000 (Apr 2013)
Tax Bill$4,789 (2025)
Deeds & MortgagesJan 2024 Mortgage
Nov 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN03-079295

Property Details

APN / Parcel Number

Primary APN03-079295
Alternative APNs
  • 3079295
  • 079295

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,700 sqft Total Area
Basement Area663 sqft
Finished Basement663 sqft

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area144,619 sqft (3.32 acres)
Garage TypeAttached
Garage Area299 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area145 sqft
Deck Area504 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number079295
Street Address3540 CHESAPEAKE BEACH RD
CityCHESAPEAKE BEACH
StateMD
Zip20732-4522
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR
Legal DescriptionLT 26R STINNETT SUB
Legal SubdivisionSTINNETT SUB
Legal Lot Number26R
JurisdictionCALVERT MD
Township / Civil Division3, SUNDERLAND
Census Block Group3
Census Block3011
Census Tract860404

Owner

3540 Chesapeake Beach Rd is owned and occupied by two individuals who bought it in April 2013.

Source: Calvert County records, as of July 28, 2026

Owner of Record2 Individual Names on File
Mailing Address3540 CHESAPEAKE BEACH RD, CHESAPEAKE BEACH, MD 20732-4522
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jan 9, 2024Deed of Trust, Mortgage · Closed-End Mortgage
US BANK NA
Nov 15, 2018Deed of Trust, Mortgage · Line of Credit
US BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 18, 2013 · Amount on File
Deed SaleApr 18, 2013 · Amount on File
Prior SaleApr 29, 2004 · Amount on File
Deed Book / Page4174 / 238
Record UpdatedOct 29, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALVERT MD
Property Address3540 CHESAPEAKE BEACH RD, CHESAPEAKE BEACH, MD 20732-4522
Transaction TypeMortgage
Record UpdatedNov 17, 2025
Title CompanyRADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address3540 CHESAPEAKE BEACH RD, CHESAPEAKE BEACH, MD 20732-4522

Mortgage

Document Number0065220192
DateJan 9, 2024
Book Page6522/192
Lender
NameUS BANK NA
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeClosed-End Mortgage
AmountAmount on Record
Term239 Months
DueDec 29, 2043

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALVERT MD
Property Address3540 CHESAPEAKE BEACH RD, CHESAPEAKE BEACH, MD 20732-4522
Transaction TypeMortgage
Record UpdatedOct 25, 2022
Title CompanySOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052820061
DateNov 15, 2018
Book Page5282/061
Lender
NameUS BANK NA
TypeBank
AddressOSHKOSH, WI 54902
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueOct 23, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3540 Chesapeake Beach Rd was $4,789 with a homeowner's exemption.

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCalvert County
MunicipalityChesapeake Beach Town
Unified School DistrictCalvert County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$447,000$463,400 Land $161,200 Building $302,200
2025$4,789.00
2023$3,946.00 Homeowner's exemption$394,333$438,800 Land $161,200 Building $277,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3540 Chesapeake Beach Rd 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 25 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims2 (2003)
Most Recent ClaimSep 2003 · Hurricane Isabel
Claims by Event
  • Hurricane Isabel, Sep 2003 · 2 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

Wildfire risk around 3540 Chesapeake Beach Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 272 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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