404 Choptank Ave, Denton, MD 21629 Property Records

Caroline County property record for 404 Choptank Ave, Denton, MD 21629

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,120 sqft · built 1978
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,000 (Apr 2023)
Tax Bill	$3,139 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-027171`

Property Details

APN / Parcel Number

Primary APN	`03-027171`
Alternative APNs	`3027171` `027171`

Interior

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

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	027171
Street Address	404 CHOPTANK AVE
City	DENTON
State	MD
Zip	21629-1347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Description	8,250 SF S/S CHOPTANK AVENUE DENTON
Legal Subdivision	HERITAGE ADD 2
Jurisdiction	CAROLINE MD
Township / Civil Division	3, DENTON
Census Block Group	1
Census Block	1029
Census Tract	955302

Owner

Source: Caroline County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	338 OLD LINE DR, CENTREVILLE, MD 21617-2578
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jul 29, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Oct 19, 2018	Deed of Trust, Mortgage · FHA Mortgage FINANCIAL FREEDOM MORTGAGE LLC
May 25, 2020	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK
Mar 13, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2023 · Amount on Record
Deed Sale	Apr 10, 2023 · Amount on Record
Deed Book / Page	1623 / 314
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Apr 10, 2023
Property Address	404 CHOPTANK AVE, DENTON, MD 21629-1347
Document Number	0016230314
Book / Page	1623 / 314
Instrument Date	Apr 3, 2023
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	NOT AVAILABLE, IN HOUSE TITLE PARTNERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	338 OLD LINE DR, CENTREVILLE, MD 21617-2578

Mortgage

Document Number	0016230318
Date	Apr 10, 2023
Instrument	1623-0318

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	404 CHOPTANK AVE, DENTON, MD 21629-1347
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CHOPTANK AVE, DENTON, MD 21629-1347

Mortgage

Document Number	0015870340
Date	Jul 29, 2022
Book Page	1587/340

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Apr 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	404 CHOPTANK AVE, DENTON, MD 21629-1347
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EAGLE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013310082
Date	Oct 19, 2018
Book Page	1331/082

Lender

Name	FINANCIAL FREEDOM MORTGAGE LLC
Type	Mortgage Company
Address	MARLTON, NJ 08053

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CAROLINE MD
Property Address	404 CHOPTANK AVE, DENTON, MD 21629-1347
Document Number	0014160380
Instrument Date	May 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CHOPTANK AVE DENTON MD 216291347, DENTON, MD 21629-1347

Mortgage

Document Number	0014160380
Date	May 26, 2020
Book Page	001416/000380

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	404 CHOPTANK AVE, DENTON, MD 21629-1347
Document Number	0014160143
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CHOPTANK AVE DENTON MD 216291347, DENTON, MD 21629-1347

Mortgage

Document Number	0014160143
Date	May 20, 2020
Book Page	001416/000143

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Municipality	Denton Town
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,139.00 (+6.41%)	$187,767 (+7.66%)	$214,500 (+22.99%) Land $52,100 Building $162,400
2025	$2,950.00 (+9.62%)	$174,400 (+13.54%) Land $52,100 Building $122,300	$174,400 (-) Land $52,100 Building $122,300
2023	$2,691.00	$153,600	$174,400 Land $52,100 Building $122,300

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 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 DENTON serves 4,848 people · EPA ID MD0050001
Water Source	Groundwater
Last State Inspection	Apr 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	None 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 201 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

May also be available: Simple Fiber.

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