Calvert County property record for 357 Emerson Rd, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 912 sqft · built 1971 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $51,500 (Apr 1987) |
| Tax Bill | $2,519 (2025) |
| Deeds & Mortgages | May 2023 Second Mortgage Sep 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-009874 |
| Primary APN | 03-009874 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 912 sqft Total Area |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Deck Area | 272 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 009874 |
|---|---|
| Street Address | 357 EMERSON RD |
| City | OWINGS |
| State | MD |
| Zip | 20736-9106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | 1 AC 357 EMERSON RD OWINGS |
| Legal Subdivision | FAMILY CONVEYANCE COMING H |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 860200 |
357 Emerson Rd is owned and occupied by two individuals who acquired it in May 2005.
Source: Calvert County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 357 EMERSON RD, OWINGS, MD 20736-9106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 5, 2019 | Loan Modification, Mortgage · Conventional with PMI BANK OF NEW YORK 2007-OA8 (CE) |
| Mar 30, 2007 | Loan Modification, Mortgage SHELLPOINT MTG SVCNG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 1987 · Amount on File |
| Deed Sale | Apr 28, 1987 · Amount on File |
| Deed Book / Page | 401 / 323 |
| Last Transfer Date | May 5, 2005 |
| Transfer Doc | KPS027550578 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 357 EMERSON RD, OWINGS, MD 20736-9106 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0064330448 |
|---|---|
| Date | May 16, 2023 |
| Book Page | 6433/448 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 357 EMERSON RD, OWINGS, MD 20736-9106 |
| Document Number | 0054710356 |
| Instrument Date | Sep 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 357 EMERSON RD OWINGS MD 207369106, OWINGS, MD 20736-9106 |
| Document Number | 0054710356 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 005471/000356 |
| Name | BANK OF NEW YORK 2007-OA8 (CE) |
|---|---|
| Address | GREENVILLE, SC 29601 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 216 Months |
| Due | Nov 11, 2037 |
| Rate | 2% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 357 EMERSON RD, OWINGS, MD 20736-9106 |
| Document Number | 0051840503 |
| Instrument Date | Mar 30, 2007 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2018 |
| Title Company | FIRST AMERICAN TITLE IN |
| Name | Verified Name |
|---|---|
| Address | 357 EMERSON RD OWINGS MD 207369106, OWINGS, MD 20736-9106 |
| Document Number | 0051840503 |
|---|---|
| Date | May 8, 2018 |
| Book Page | 005184/000503 |
| Name | SHELLPOINT MTG SVCNG |
|---|---|
| Address | GREENVILLE, SC 29601 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | May 7, 2038 |
The 2025 property tax bill for 357 Emerson Rd was $2,519.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $214,233 (+0.63%) | $216,900 (+1.88%) Land $142,000 Building $74,900 | |
| 2025 | $2,519.00 | $212,900 Land $142,000 Building $70,900 | $212,900 Land $142,000 Building $70,900 |
| 2023 | $2,093.00 | $201,500 | $212,900 Land $142,000 Building $70,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 357 Emerson Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2002–2003) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2003 · river or lake flooding |
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 357 Emerson Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 75% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% 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 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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