Calvert County property record for 3901 28th St, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,840 sqft · built 1940 |
| Lot Size | 0.189 acres (8,223 sqft) |
| Owner | Company Name on Record |
| Last Sale | $560,000 (Mar 2023) |
| Tax Bill | $4,319 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Mar 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-048691 |
| Primary APN | 03-048691 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,840 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,223 sqft (0.189 acres) |
| Garage Area | 529 sqft |
| Porch | Slab |
| Deck Area | 311 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 048691 |
|---|---|
| Street Address | 3901 28TH ST |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-9247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LTS 1,2 & PT ALLEY BLK C MIDDLE SUB |
| Legal Subdivision | MIDDLE SUB |
| Legal Block | C |
| Legal Lot Number | 1,2 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 860404 |
Source: Calvert County records, as of July 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3901 28TH ST, CHESAPEAKE BEACH, MD 20732-9247 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 6, 2023 | Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Mar 22, 2021 | Deed, Transfer ATG TITLE INC |
| Nov 28, 2018 | Deed, Transfer · Conventional Mortgage APPLE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2023 · Amount on Record |
| Deed Sale | Mar 6, 2023 · Amount on Record |
| Prior Sale | Mar 22, 2021 · Amount on Record |
| Deed Book / Page | 6407 / 344 |
| Last Transfer Date | May 31, 2024 |
| Transfer Doc | 0065780173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Mar 6, 2023 |
| Property Address | 3901 28TH ST, CHESAPEAKE BEACH, MD 20732-9247 |
| Document Number | 0064070344 |
| Book / Page | 6407 / 344 |
| Map Reference | LB ABE 270 FO 874 |
| Instrument Date | Feb 17, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Title Company | NOT AVAILABLE, TITLEMAX LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3901 28TH ST, CHESAPEAKE BEACH, MD 20732-9247 |
| Document Number | 0006407352 |
|---|---|
| Date | Mar 6, 2023 |
| Instrument | 6407/352 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Mar 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Mar 22, 2021 |
| Property Address | 3901 28TH ST, CHESAPEAKE BEACH, MD 20732-9247 |
| Document Number | 0059010300 |
| Book / Page | 5901 / 300 |
| Map Reference | LB ABE 270 FO 874 |
| Instrument Date | Nov 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | ATG TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $515.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4309 CHEWS CHAPEL RD, WEST RIVER, MD 20778-9609 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Nov 28, 2018 |
| Property Address | 3901 28TH ST, CHESAPEAKE BEACH, MD 20732-9247 |
| Document Number | 0052860354 |
| Book / Page | 5286 / 354 |
| Map Reference | LB AHH7 FO573 |
| Instrument Date | Nov 15, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | CHAMPION TITLE & SETTLEMENTS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $262.50 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3901 28TH ST, CHESAPEAKE BEACH, MD 20732-9247 |
| Document Number | 0005286360 |
|---|---|
| Date | Nov 28, 2018 |
| Instrument | 5286/360 |
| Name | APPLE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
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 | $439,333 (+1%) | $519,200 (+29.99%) Land $121,100 Building $398,100 | |
| 2025 | $4,319.00 (+34.05%) | $399,400 (+24.01%) Land $96,900 Building $302,500 | $399,400 (-) Land $96,900 Building $302,500 |
| 2023 | $3,222.00 | $322,067 | $399,400 Land $96,900 Building $302,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AO, within 500 ft |
| 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 |
|
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.
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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