3806 Oak St, North Beach, MD 20714 Property Records

Calvert County property record for 3806 Oak St, North Beach, MD 20714

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 1978
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Jul 2018)
Tax Bill	$3,111 (2023)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-080846`

Property Details

APN / Parcel Number

Primary APN	`03-080846`
Alternative APNs	`3080846` `080846`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Total Area
1st Floor Area	1,680 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	105 ft deep x 100 ft wide
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	080846
Old Parcel Number	3080846
Street Address	3806 OAK ST
City	NORTH BEACH
State	MD
Zip	20714-9709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LTS 13-16 BLK 41 NORTH CHES BEACH
Legal Subdivision	NORTH CHES BEACH
Legal Block	41
Legal Lot Number	13-16 16
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
Census Tract	860404

Owner

Source: Calvert County records, as of September 18, 2023

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	3806 OAK ST, NORTH BEACH, MD 20714-9709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 19, 2018	Grant Deed, Transfer · FHA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2018 · Amount on Record
Deed Sale	Jul 19, 2018 · Amount on Record
Prior Sale	Oct 11, 1996
Deed Document Number	0005221295
Deed Book / Page	5221 / 295
Record Updated	Jun 7, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3806 OAK ST, NORTH BEACH, MD 20714-9709
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062480003
Date	Mar 28, 2022
Book Page	6248/3

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	237 Months
Due	Dec 1, 2041

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 19, 2018
Property Address	3806 OAK ST, NORTH BEACH, MD 20714-9709
Document Number	0052210295
Book / Page	005221 / 000295
Instrument Date	Jun 28, 2018
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	LAKESIDE TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3806 OAK ST NORTH BEACH MD 207149709, NORTH BEACH, MD 20714-9709

Mortgage

Document Number	52210303
Date	Jul 19, 2018
Book Page	005221/000303

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2048

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,111.00	$299,433	$338,900 Land $98,200 Building $240,700

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 April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	2 (2003)
Most Recent Claim	Sep 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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