3650 Choptank Rd, Preston, MD 21655 Property Records

Caroline County property record for 3650 Choptank Rd, Preston, MD 21655

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,404 sqft · built 1972
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Dec 2021)
Tax Bill	$3,036 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-009576`

Property Details

APN / Parcel Number

Primary APN	`04-009576`
Alternative APNs	`4009576` `009576`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,404 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Siding
Roof Material	Metal
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	009576
Street Address	3650 CHOPTANK RD
City	PRESTON
State	MD
Zip	21655-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	20,000 SF NW/S CHOPTANK RD SW OF PRESTON
Jurisdiction	CAROLINE MD
Township / Civil Division	4, PRESTON
Census Block Group	3
Census Block	3030
Census Tract	955500

Owner

3650 Choptank Rd is owned and occupied by two individuals who bought it in December 2021.

Source: Caroline County records, as of October 20, 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	3650 CHOPTANK RD, PRESTON, MD 21655-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on File
Deed Sale	Dec 13, 2021 · Amount on File
Prior Sale	Dec 6, 2016 · Amount on File
Deed Book / Page	1543 / 141
Prior Transfer Date	Nov 21, 2016
Prior Transfer Doc	0012340464
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 13, 2021
Property Address	3650 CHOPTANK RD, PRESTON, MD 21655-1219
Document Number	0015430141
Book / Page	1543 / 141
Instrument Date	Dec 10, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Tenants by the Entirety
Address	3650 CHOPTANK RD, PRESTON, MD 21655-1219

Mortgage

Document Number	0001543147
Date	Dec 13, 2021
Instrument	1543/147

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 3650 Choptank Rd was $3,036 with a homeowner's exemption, up 5.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,036.00 (+5.38%) Homeowner's exemption	$291,800 (+14.91%) Land $40,300 Building $251,500	$291,800 (-) Land $40,300 Building $251,500
2025	$2,881.00 Homeowner's exemption	$253,933	$291,800 Land $40,300 Building $251,500
2023	$2,531.00 Homeowner's exemption	$178,200 Land $40,300 Building $137,900	$178,200 Land $40,300 Building $137,900

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

Flood

FEMA maps place 3650 Choptank Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2003.

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 File 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

Wildfire risk around 3650 Choptank Rd is low, with a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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