Calvert County property record for 3814 28th St, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,644 sqft · built 1938 |
| Lot Size | 0.256 acres (11,172 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Jul 2020) |
| Tax Bill | $3,130 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-047466 |
| Primary APN | 03-047466 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,644 sqft Total Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,172 sqft (0.256 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 047466 |
|---|---|
| Street Address | 3814 28TH ST |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-3344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LTS 8-10 & PT 11 & PT ALY BLK L MIDDLE SUB |
| Legal Subdivision | MIDDLE SUB |
| Legal Block | L |
| Legal Lot Number | 8-10 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 860404 |
3814 28th St is owned and occupied by an individual who bought it in July 2020.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 322, NORTH BEACH, MD 20714-0322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 31, 2018 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Jul 23, 2020 | Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2020 · Amount on File |
| Deed Sale | Jul 23, 2020 · Amount on File |
| Deed Book / Page | 5651 / 86 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 3814 28TH ST, CHESAPEAKE BEACH, MD 20732-3344 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0052750244 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 5275/244 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 3814 28TH ST, CHESAPEAKE BEACH, MD 20732-3344 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | 0055000147 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 5500/147 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jul 23, 2020 |
| Property Address | 3814 28TH ST, CHESAPEAKE BEACH, MD 20732-3344 |
| Document Number | 0056510086 |
| Book / Page | 5651 / 86 |
| Map Reference | LB AAH 7 FO 573 |
| Instrument Date | Jul 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | TITLEMAX LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3814 28TH ST, CHESAPEAKE BEACH, MD 20732-3344 |
| Document Number | 565195 |
|---|---|
| Date | Jul 23, 2020 |
| Instrument | 5651/95 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 3814 28th St was $3,130 with a homeowner's exemption.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Municipality | Chesapeake Beach Town |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $294,033 | $311,700 Land $99,800 Building $211,900 | |
| 2025 | $3,130.00 | ||
| 2023 | $2,573.00 Homeowner's exemption | $257,133 | $285,200 Land $99,800 Building $185,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3814 28th St 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 3814 28th St 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 | Indirect within ember reach |
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 CHESAPEAKE BEACH serves 5,000 people · EPA ID MD0040003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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