3909 2nd St, North Beach, MD 20714 Property Records

Calvert County property record for 3909 2nd St, North Beach, MD 20714

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1981
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Dec 2020)
Tax Bill	$4,912 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-051153`

Property Details

APN / Parcel Number

Primary APN	`03-051153`
Alternative APNs	`3051153` `051153`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Total Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	240 sqft
Deck Area	50 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	051153
Street Address	3909 2ND ST
City	NORTH BEACH
State	MD
Zip	20714-9700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 BLK 27 NORTH CHES BEACH
Legal Subdivision	NORTH CHES BEACH 02
Legal Block	27
Legal Lot Number	11
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2014
Census Tract	860404

Owner

3909 2nd St is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3909 2ND ST, NORTH BEACH, MD 20714-9700
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2020 · Amount on File
Deed Sale	Dec 1, 2020 · Amount on File
Prior Sale	Aug 11, 2006
Deed Book / Page	5779 / 308
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 1, 2020
Property Address	3909 2ND ST, NORTH BEACH, MD 20714-9700
Document Number	0057790308
Book / Page	5779 / 308
Map Reference	MB GWD 8 PL 305
Instrument Date	Nov 24, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	MARYLAND TRUST T&E LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3909 2ND ST, NORTH BEACH, MD 20714-9700

Mortgage

Document Number	5779314
Date	Dec 1, 2020
Instrument	5779/314

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3909 2nd St was $4,912 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		$341,700	$351,500 Land $92,200 Building $259,300
2025	$4,912.00
2023	$3,549.00	$281,867	$336,800 Land $92,200 Building $244,600

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

Flood

FEMA maps place 3909 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 3909 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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