4020 28th St, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 4020 28th St, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,884 sqft · built 2001
Lot Size	0.157 acres (6,834 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Aug 2000)
Tax Bill	$8,080 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit
Flood Zone	Zone AO (high risk)
APN	`03-042707`

Property Details

APN / Parcel Number

Primary APN	`03-042707`
Alternative APNs	`3042707` `042707`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,884 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,834 sqft (0.157 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	372 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	222 sqft
Deck Area	438 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	042707
Street Address	4020 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 19R BLK 9 BAYCREST
Legal Subdivision	BAYCREST
Legal Block	9
Legal Lot Number	19R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3019
Census Tract	860404

Owner

4020 28th St is owned and occupied by two individuals who bought it in August 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	4020 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2000 · Amount on File
Deed Sale	Aug 7, 2000 · Amount on File
Deed Document Number	200010273
Deed Book / Page	1291 / 440
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4020 28TH ST, CHESAPEAKE BEACH, MD 20732-3333
Document Number	0052710415
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 2, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 28TH ST CHESAPEAKE BEACH MD 207323333, CHESAPEAKE BEACH, MD 20732-3333

Mortgage

Document Number	0052710415
Date	Oct 23, 2018
Book Page	005271/000415

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Oct 22, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4020 28th St was $8,080 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	Chesapeake Beach Town
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$776,900	$809,100 Land $386,000 Building $423,100
2025	$8,080.00
2023	$6,984.00 Homeowner's exemption	$697,933	$760,800 Land $386,000 Building $374,800

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

Flood

FEMA maps place 4020 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	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 4020 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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