3814 3rd St, North Beach, MD 20714 Property Records

Calvert County property record for 3814 3rd St, North Beach, MD 20714

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,848 sqft · built 2019
Lot Size	0.082 acres (3,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Feb 2026)
Tax Bill	$4,600 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-184285`

Property Details

APN / Parcel Number

Primary APN	`03-184285`
Alternative APN	`184285`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,848 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,570 sqft (0.082 acres)
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	184285
Street Address	3814 3RD ST
City	NORTH BEACH
State	MD
Zip	20714-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5R BLK 42 NORTH CHES BEACH
Legal Subdivision	NORTH CHES BEACH
Legal Block	42
Legal Lot Number	5R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3017
Census Tract	860404

Owner

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 Record
Mailing Address	3814 3RD ST, NORTH BEACH, MD 20714-9714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage SEVERN SAVINGS BANK FSB
Nov 25, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage NAVY FCU
Aug 22, 2018	Grant Deed, Transfer VELOCITY NATIONAL TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Nov 25, 2019 · Amount on Record
Deed Book / Page	6853 / 380
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 12, 2026
Property Address	3814 3RD ST, NORTH BEACH, MD 20714-9714
Document Number	0068530380
Book / Page	6853 / 380
Map Reference	LB 2740 FO 482
Instrument Date	Feb 6, 2026
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	LANDS ABSTRACTS LLC, LAND ABSTRACT & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3814 3RD ST, NORTH BEACH, MD 20714-9714

Mortgage

Document Number	0006853386
Date	Feb 12, 2026
Instrument	6853/386

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3814 3RD ST, NORTH BEACH, MD 20714-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FREESTATE TTL SVCS OF ANNAPO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053690328
Date	Jun 5, 2019
Book Page	5369/328

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 25, 2019
Property Address	3814 3RD ST, NORTH BEACH, MD 20714-9714
Document Number	0054810057
Book / Page	005481 / 000057
Instrument Date	Nov 4, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 10, 2019
Title Company	BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	703 ROANE HOLLOW LN ANNAPOLIS MD 214016302, ANNAPOLIS, MD 21401-6302

Mortgage

Document Number	54810064
Date	Nov 25, 2019
Book Page	005481/000064

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 22, 2018
Property Address	3814 3RD ST, NORTH BEACH, MD 20714-9714
Document Number	0052400177
Book / Page	005240 / 000177
Instrument Date	Jul 26, 2018
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	VELOCITY NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$62.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1110 SOMERSET LN OWINGS MD 207363603, OWINGS, MD 20736-3603

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

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
2026		$418,267 (+1.69%)	$432,200 (+5.08%) Land $84,300 Building $347,900
2025	$4,600.00 (+19.36%)	$411,300 (+10.87%) Land $84,300 Building $327,000	$411,300 (-) Land $84,300 Building $327,000
2023	$3,854.00	$370,967	$411,300 Land $84,300 Building $327,000

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
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 784 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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