3826 Harbor Rd, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 3826 Harbor Rd, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,144 sqft · built 1992
Lot Size	0.262 acres (11,423 sqft)
Owner	2 Individual Names on File
Last Sale	$36,000 (Apr 1986)
Tax Bill	$162 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-068412`

Property Details

APN / Parcel Number

Primary APN	`03-068412`
Alternative APNs	`3068412` `068412`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,144 sqft Total Area
Basement Area	780 sqft
Finished Basement	780 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,423 sqft (0.262 acres)
View / Lot	Waterfront
Deck Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	068412
Street Address	3826 HARBOR RD
City	CHESAPEAKE BEACH
State	MD
Zip	20732-3196
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MCR
Legal Description	LTS 30 & 31 PLAT 4 CHES BEACH
Legal Subdivision	PLAT #4 OF THE TOWN OF CHESAPEAKE BENCH
Legal Lot Number	30,31
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1009
Census Tract	860402

Owner

3826 Harbor Rd is owned and occupied by two individuals who acquired it in June 2025.

Source: Calvert County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 504, CHESAPEAKE BEACH, MD 20732-0504
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 1986 · Amount on File
Deed Sale	Apr 8, 1986 · Amount on File
Deed Book / Page	363 / 137
Last Transfer Date	Jun 25, 2025
Transfer Doc	0067460463
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3826 HARBOR RD, CHESAPEAKE BEACH, MD 20732-3196
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3826 HARBOR RD, CHESAPEAKE BEACH, MD 20732-3196

Mortgage

Document Number	0068030433
Date	Oct 21, 2025
Book Page	6803/433

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3826 Harbor Rd was $162 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$516,533 (+0.92%)	$526,000 (+2.77%) Land $355,700 Building $170,300
2025	$162.00 Homeowner's exemption	$511,800 Land $355,700 Building $156,100	$511,800 Land $355,700 Building $156,100
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$486,200	$511,800 Land $355,700 Building $156,100

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

Flood

FEMA maps place 3826 Harbor Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	9 (1981–2022)
Claims Outside the SFHA	3 of 9
Most Recent Claim	May 2022 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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 3826 Harbor 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	Indirect within ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 285 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20