Caroline County property record for 3622 Choptank Rd, Preston, MD 21655
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,700 sqft · built 1961 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,900 (Jan 2026) |
| Tax Bill | $2,161 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-017897 |
| Primary APN | 04-017897 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,700 sqft Total Area |
| Utility Area | 160 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,000 sqft (0.459 acres) |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 017897 |
|---|---|
| Street Address | 3622 CHOPTANK RD |
| City | PRESTON |
| State | MD |
| Zip | 21655-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 20000 SF NW/S CHOPTANK RD SW OF PRESTON |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 4, PRESTON |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 955500 |
Source: Caroline County records, as of August 18, 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 | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Mar 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Sep 25, 2025 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Jan 15, 2026 | Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| Jun 28, 2018 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE SERVICES IN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2026 · Amount on Record |
| Deed Sale | Jan 15, 2026 · Amount on Record |
| Prior Sale | Jun 28, 2018 · Amount on Record |
| Deed Book / Page | 1768 / 241 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES L |
| Name | Verified Name |
|---|---|
| Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Document Number | 0015610365 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 1561/365 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Document Number | 0016180179 |
|---|---|
| Date | Mar 3, 2023 |
| Book Page | 1618/179 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Document Number | 0016680050 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 1668/50 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Document Number | 0017490302 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 1749/302 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE MD |
| Recording Date | Jan 15, 2026 |
| Property Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Document Number | 0017680241 |
| Book / Page | 1768 / 241 |
| Instrument Date | Dec 31, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Title Company | TITLE EXCELLENCE LLC, TITLE EXCELLENCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $738.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Document Number | 0001768247 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 1768/247 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAROLINE MD |
| Recording Date | Jun 28, 2018 |
| Property Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Document Number | 0013160244 |
| Book / Page | 1316 / 244 |
| Instrument Date | Jun 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | POWERHOUSE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $885.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3622 CHOPTANK RD, PRESTON, MD 21655-1219 |
| Document Number | 0001316251 |
|---|---|
| Date | Jun 28, 2018 |
| Instrument | 1316/251 |
| Name | ATLANTIC COAST MORTGAGE SERVICES IN |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
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 | $229,300 (+8.95%) Land $43,800 Building $185,500 | $229,300 (-) Land $43,800 Building $185,500 | |
| 2025 | $2,161.00 (+14.58%) Homeowner's exemption | $210,467 (+21.8%) | $229,300 (+32.7%) Land $43,800 Building $185,500 |
| 2023 | $1,886.00 Homeowner's exemption | $172,800 Land $43,800 Building $129,000 | $172,800 Land $43,800 Building $129,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF PRESTON serves 750 people · EPA ID MD0050005 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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