403 S Commerce St, Centreville, MD 21617 Property Records

Queen Anne's County property record for 403 S Commerce St, Centreville, MD 21617

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft · built 2017
Lot Size	0.311 acres (13,562 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jun 2021)
Tax Bill	$3,573 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-010341`

Property Details

APN / Parcel Number

Primary APN	`03-010341`
Alternative APNs	`3010341` `010341`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Total Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,562 sqft (0.311 acres)
Lot Dimensions	168 ft deep x 32 ft wide
Porch	Slab
Porch Area	72 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	010341
Street Address	403 S COMMERCE ST
City	CENTREVILLE
State	MD
Zip	21617-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 13,562 SQ FT S/E COMMERCE ST CENTREVILLE
Legal Subdivision	MILL FLATS
Legal Lot Number	13
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	3, CENTREVILLE
Census Block Group	3
Census Block	3006
Census Tract	810500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Centreville Historic District listed 2004 · 363 contributing resources · NRIS 04001218

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Queen Anne's County records, as of September 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	403 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 17, 2021	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Sep 10, 2018	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Apr 4, 2017	Grant Deed, Transfer TITLE EXCELLENCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Prior Sale	Sep 10, 2018 · Amount on Record
Deed Book / Page	3751 / 253
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	403 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031990275
Date	Nov 12, 2019
Book Page	3199/275

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 17, 2021
Property Address	403 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Document Number	0037510253
Book / Page	3751 / 253
Instrument Date	Apr 22, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 S COMMERCE ST, 403, CENTREVILLE, MD 21617-1219

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	403 S COMMERCE ST, CENTREVILLE, MD 21617-1219

Mortgage

Document Number	0003751261
Date	Jun 17, 2021
Instrument	3751/261

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Sep 10, 2018
Property Address	403 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Document Number	0029610298
Book / Page	2961 / 298
Map Reference	MB SM46 PG39
Instrument Date	Aug 10, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	THE ATLANTIC TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	403 S COMMERCE ST, CENTREVILLE, MD 21617-1219

Mortgage

Document Number	0002961306
Date	Sep 10, 2018
Instrument	2961/306

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Apr 4, 2017
Property Address	403 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Document Number	0026670151
Book / Page	002667 / 000151
Instrument Date	Mar 28, 2017
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	TITLE EXCELLENCE LLC

Transaction

Amount	Amount Recorded
Tax	$10.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	126 TANYARD RD CENTREVILLE MD 216172715, CENTREVILLE, MD 21617-2715

Tax Assessment & Valuation

Source: Queen Anne's County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Queen Anne's County
Municipality	Centreville Town
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$265,300 (+6.19%) Land $122,100 Building $143,200	$265,300 (-0.08%) Land $122,100 Building $143,200
2025	$3,573.00 (-3.17%)
2023	$3,690.00	$249,833	$265,500 Land $105,800 Building $159,700

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 October 25, 2022 · 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
Nearby Flood Policies	3 in force

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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 CENTREVILLE serves 3,322 people · EPA ID MD0170001
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Talkie Communications, Xfinity.

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