3945 7th St, North Beach, MD 20714 Property Records

Calvert County property record for 3945 7th St, North Beach, MD 20714

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,048 sqft · built 2000
Lot Size	0.06 acres (2,625 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jul 2020)
Tax Bill	$720 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-052982`

Property Details

APN / Parcel Number

Primary APN	`03-052982`
Alternative APNs	`3052982` `052982`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,048 sqft Total Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,625 sqft (0.06 acres)
Deck Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	052982
Street Address	3945 7TH ST
City	NORTH BEACH
State	MD
Zip	20714-4023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 46 BLK 23 NORTH CHES BEACH
Legal Subdivision	NORTH CHESAPEAKE BEACH
Legal Block	23
Legal Lot Number	46
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1032
Census Tract	860404

Owner

3945 7th St is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3945 7TH ST, NORTH BEACH, MD 20714-4023
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
Mar 5, 2026	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jul 31, 2020	Grant Deed, Transfer · VA Mortgage FIRST HM MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2020 · Amount on File
Deed Sale	Jul 31, 2020 · Amount on File
Prior Sale	Jul 17, 2012 · Amount on File
Deed Book / Page	5656 / 391
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3945 7TH ST, NORTH BEACH, MD 20714-4023
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3945 7TH ST, NORTH BEACH, MD 20714-4023

Mortgage

Document Number	0068630455
Date	Mar 5, 2026
Book Page	6863/455

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 31, 2020
Property Address	3945 7TH ST, NORTH BEACH, MD 20714-4023
Document Number	0056560396
Book / Page	005656 / 000396
Instrument Date	Jul 17, 2020
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3945 7TH ST NORTH BEACH MD 207144023, NORTH BEACH, MD 20714-4023

Mortgage

Document Number	56560397
Date	Jul 31, 2020
Book Page	005656/000397

Lender

Name	FIRST HM MTG CORP
Address	BALTIMORE, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3945 7th St was $720 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		$385,600	$407,200 Land $82,400 Building $324,800
2025	$720.00
2023	Disabled Person's exemption Veteran's exemption	$319,600	$374,800 Land $82,400 Building $292,400

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

Flood

FEMA maps place 3945 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 3945 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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