3900 7th St, North Beach, MD 20714 Property Records

Calvert County property record for 3900 7th St, North Beach, MD 20714

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,832 sqft · built 1940
Lot Size	0.121 acres (5,250 sqft)
Owner	Individual Name on File
Last Sale	$349,000 (Jan 2019)
Tax Bill	$5,336 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-051609`

Property Details

APN / Parcel Number

Primary APN	`03-051609`
Alternative APNs	`3051609` `051609`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,832 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,250 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	051609
Street Address	3900 7TH ST
City	NORTH BEACH
State	MD
Zip	20714-3094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 11 & 12 BLK 31 NORTH CHES BEACH
Legal Subdivision	NORTH CHESAPEAK BEACH
Legal Block	31
Legal Lot Number	11,12
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1034
Census Tract	860404

Owner

3900 7th St is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3900 7TH ST, NORTH BEACH, MD 20714-3094
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
Jan 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE LLC
Aug 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 9, 2019	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2019 · Amount on File
Deed Sale	Jan 9, 2019 · Amount on File
Prior Sale	Oct 12, 2004 · Amount on File
Deed Book / Page	5305 / 312
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3900 7TH ST, NORTH BEACH, MD 20714-3094
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062020353
Date	Jan 21, 2022
Book Page	6202/353

Lender

Name	FILO MORTGAGE LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3900 7TH ST, NORTH BEACH, MD 20714-3094
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054180108
Date	Aug 20, 2019
Book Page	5418/108

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 9, 2019
Property Address	3900 7TH ST, NORTH BEACH, MD 20714-3094
Document Number	0053050312
Book / Page	5305 / 312
Map Reference	MB GWD 8 PL 305
Instrument Date	Dec 28, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CAPITOL TITLE INS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,745.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 7TH ST, NORTH BEACH, MD 20714-3094

Mortgage

Document Number	0005305317
Date	Jan 9, 2019
Instrument	5305/317

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3900 7th St was $5,336.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$378,200	$392,800 Land $87,700 Building $305,100
2025	$5,336.00
2023	$4,232.00	$336,033	$370,900 Land $87,700 Building $283,200

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

Flood

FEMA maps place 3900 7th St in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 3900 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF NORTH BEACH serves 3,000 people · EPA ID MD0040030
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 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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