3849 7th St, North Beach, MD 20714 Property Records

Calvert County property record for 3849 7th St, North Beach, MD 20714

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,552 sqft · built 1997
Lot Size	0.121 acres (5,250 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,379 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-040798`

Property Details

APN / Parcel Number

Primary APN	`03-040798`
Alternative APNs	`3040798` `040798`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,552 sqft Total Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,250 sqft (0.121 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	040798
Street Address	3849 7TH ST
City	NORTH BEACH
State	MD
Zip	20714-9772
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 45R BLK 37 NORTH CHES BEACH
Legal Subdivision	NORTH CHESAPEAKE BEACH
Legal Block	37
Legal Lot Number	45R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1036
Census Tract	860404

Owner

3849 7th St is owned and occupied by two individuals who acquired it in June 2019.

Source: Calvert County records, as of July 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3849 7TH ST, NORTH BEACH, MD 20714-9772
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

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL FEDERAL CREDIT UNION
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage US MORTGAGE CORP
Jun 20, 2019	Intrafamily Transfer, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019
Deed Sale	Jun 20, 2019
Prior Sale	Jun 10, 2016 · Amount on File
Deed Book / Page	5378 / 351
Prior Transfer Date	Apr 25, 2019
Prior Transfer Doc	0053780351
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	Jul 21, 2026
Property Address	3849 7TH ST, NORTH BEACH, MD 20714-9772
Document Number	6936000001
Book / Page	6936 / 1
Instrument Date	Jul 10, 2026
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3849 7TH ST, NORTH BEACH, MD 20714-9772

Mortgage

Document Number	6936000001,
Date	Jul 21, 2026
Book Page	6936/1

Lender

Name	EDUCATIONAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3849 7TH ST, NORTH BEACH, MD 20714-9772
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 7TH ST, NORTH BEACH, MD 20714-9772

Mortgage

Document Number	0058570078
Date	Feb 16, 2021
Book Page	5857/78

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Jun 20, 2019
Property Address	3849 7TH ST, NORTH BEACH, MD 20714-9772
Document Number	0053780351
Book / Page	5378 / 351
Map Reference	MB ABE 953 PG 527
Instrument Date	Apr 25, 2019
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	VELOCITY NATIONAL TTL CO LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3849 7TH ST, NORTH BEACH, MD 20714-9772

Mortgage

Document Number	0005378355
Date	Jun 20, 2019
Instrument	5378/355

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3849 7th St was $3,379.

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		$311,867 (+4.62%)	$339,400 (+13.85%) Land $87,700 Building $251,700
2025	$3,379.00	$298,100 Land $87,700 Building $210,400	$298,100 Land $87,700 Building $210,400
2023	$2,737.00	$263,500	$298,100 Land $87,700 Building $210,400

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

Flood

FEMA maps place 3849 7th St in Zone X, an area of minimal flood risk, though there have been 16 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 73 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	100 units insured incl. 27 condo units
Nearby Flood Claims	16 (2003–2024)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Jan 2024 · river or lake flooding
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

Wildfire risk around 3849 7th 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.

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.

Nearby Properties on 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures