Calvert County property record for 4012 28th St, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,075 sqft · built 1940 |
| Lot Size | 0.068 acres (3,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Jun 2022) |
| Tax Bill | $2,624 (2023) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Sep 2018 Sale & Construction Loan |
| Flood Zone | Zone AO (high risk) |
| APN | 03-042685 |
| Primary APN | 03-042685 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,075 sqft Total Area |
| 1st Floor Area | 1,075 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Wood Frame |
| Roof Material | Composition Shingle |
| Lot Area | 3,000 sqft (0.068 acres) |
| Deck Area | 275 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 042685 |
|---|---|
| Old Parcel Number | 3042685 |
| Street Address | 4012 28TH ST |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-3333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MCR |
| Legal Description | LT 3 BLK 9 BAYCREST |
| Legal Subdivision | BAYCREST 01 |
| Legal Block | 9 |
| Legal Lot Number | 3 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 860404 |
4012 28th St is owned and occupied by an individual who bought it in June 2022.
Source: Calvert County records, as of September 18, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4012 28TH ST, CHESAPEAKE BEACH, MD 20732-3333 |
| 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.
| Date | Document |
|---|---|
| Jun 1, 2022 | Deed, Transfer · VA Mortgage PENTAGON FCU |
| Sep 6, 2018 | Deed, Construction Loan · Construction Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2022 · Amount on File |
| Deed Sale | Jun 1, 2022 · Amount on File |
| Prior Sale | Sep 6, 2018 · Amount on File |
| Deed Document Number | 0000629016 |
| Deed Book / Page | 6290 / 16 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 1, 2022 |
| Property Address | 4012 28TH ST, CHESAPEAKE BEACH, MD 20732-3333 |
| Document Number | 0062900016 |
| Book / Page | 6290 / 16 |
| Map Reference | LB AAH 11 FO 387 |
| Instrument Date | May 6, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4012 28TH ST, 4012, CHESAPEAKE BEACH, MD 20732-3333 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4012 28TH ST, CHESAPEAKE BEACH, MD 20732-3333 |
| Document Number | 0000629022 |
|---|---|
| Date | Jun 1, 2022 |
| Instrument | 6290/22 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Sep 6, 2018 |
| Property Address | 4012 28TH ST, CHESAPEAKE BEACH, MD 20732-3333 |
| Document Number | 0052480119 |
| Book / Page | 5248 / 119 |
| Map Reference | LB AAH11 FO387 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Construction Loan |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $617.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4012 28TH ST, CHESAPEAKE BEACH, MD 20732-3333 |
| Document Number | 0005248125 |
|---|---|
| Date | Sep 6, 2018 |
| Instrument | 5248/125 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
Source: Calvert County assessment roll, as of July 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $2,624.00 | $262,233 | $360,100 Land $136,700 Building $223,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4012 28th St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 4012 28th 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.
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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