3902 2nd St, North Beach, MD 20714 Property Records

Calvert County property record for 3902 2nd St, North Beach, MD 20714

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,264 sqft · built 1940
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$49,000 (Nov 1985)
Tax Bill	$5,415 (2025)
Deeds & Mortgages	May 2018 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-058646`

Property Details

APN / Parcel Number

Primary APN	`03-058646`
Alternative APNs	`3058646` `058646`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,264 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Detached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	058646
Street Address	3902 2ND ST
City	NORTH BEACH
State	MD
Zip	20714-9700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 16 & 17 BLK 28 NORTH CHES BEACH
Legal Subdivision	NORTH CHES BEACH 02
Legal Block	28
Legal Lot Number	16,17
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2013
Census Tract	860404

Owner

3902 2nd St is owned and occupied by an individual who bought it in November 1985.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 724, NORTH BEACH, MD 20714-0724
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
May 21, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 1985 · Amount on File
Deed Sale	Nov 4, 1985 · Amount on File
Deed Book / Page	351 / 403
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3902 2ND ST, NORTH BEACH, MD 20714-9700
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051910232
Date	May 21, 2018
Book Page	5191/232

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3902 2ND ST, NORTH BEACH, MD 20714-9700
Document Number	0056500026
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3902 2ND ST NORTH BEACH MD 207149700, NORTH BEACH, MD 20714-9700

Mortgage

Document Number	0056500026
Date	Jul 23, 2020
Book Page	005650/000026

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3902 2nd St was $5,415 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	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		$382,233	$392,300 Land $107,200 Building $285,100
2025	$5,415.00
2023	$4,201.00 Homeowner's exemption	$333,600	$377,200 Land $107,200 Building $270,000

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

Flood

FEMA maps place 3902 2nd 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 42 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	2 (2021)
Most Recent Claim	Oct 2021 · river or lake flooding

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 3902 2nd 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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