3904 1st St, North Beach, MD 20714 Property Records

Calvert County property record for 3904 1st St, North Beach, MD 20714

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,248 sqft · built 1995
Lot Size	0.174 acres (7,560 sqft)
Owner	Individual Name on File
Tax Bill	$5,006 (2025)
Deeds & Mortgages	Oct 2017 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-155889`

Property Details

APN / Parcel Number

Primary APN	`03-155889`
Alternative APNs	`3155889` `155889`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,248 sqft Total Area
Basement Area	530 sqft
Finished Basement	530 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,560 sqft (0.174 acres)
Porch	Slab
Porch Area	156 sqft
Deck Area	416 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	155889
Street Address	3904 1ST ST
City	NORTH BEACH
State	MD
Zip	20714-3077
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 20 BLK 27 NORTH CHES BEACH
Legal Subdivision	NORTH CHESAPEAKE BEACH
Legal Block	27
Legal Lot Number	20
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2014
Census Tract	860404

Owner

Source: Calvert County assessment roll, as of July 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3904 1ST ST, NORTH BEACH, MD 20714-3077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICK LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2011
Deed Sale	Jan 31, 2011
Prior Sale	Nov 9, 1995 · Amount on Record
Deed Document Number	20111233
Deed Book / Page	3663 / 299
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3904 1ST ST, NORTH BEACH, MD 20714-3077
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050740421
Date	Oct 4, 2017
Book Page	5074/421

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALVERT MD
Recording Date	May 25, 2021
Property Address	3904 1ST ST, NORTH BEACH, MD 20714-3077
Document Number	0059720145
Book / Page	5972 / 145
Map Reference	LB GWD 8 FO 305
Instrument Date	May 14, 2021
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	AVANCE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3904 1ST ST, NORTH BEACH, MD 20714-3077

Mortgage

Document Number	5972150
Date	May 25, 2021
Instrument	5972/150

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3904 1ST ST, NORTH BEACH, MD 20714-3077
Document Number	0056500500
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3904 1ST ST NORTH BEACH MD 207143077, NORTH BEACH, MD 20714-3077

Mortgage

Document Number	0056500500
Date	Jul 23, 2020
Book Page	005650/000500

Lender

Name	QUICK LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

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

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$5,006.00 (+39.72%) Homeowner's exemption	$386,300 (+28.24%) Land $92,300 Building $294,000	$386,300 (-) Land $92,300 Building $294,000
2023	$3,583.00 Homeowner's exemption	$301,233	$386,300 Land $92,300 Building $294,000

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

Flood

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 Record 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

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	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile USA.

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