407 S Commerce St, Centreville, MD 21617 Property Records

Queen Anne's County property record for 407 S Commerce St, Centreville, MD 21617

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,124 sqft · built 1901
Lot Size	0.056 acres (2,438 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jun 2026)
Tax Bill	$3,121 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-008959`

Property Details

APN / Parcel Number

Primary APN	`03-008959`
Alternative APNs	`3008959` `008959`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,124 sqft Total Area

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,438 sqft (0.056 acres)
Lot Dimensions	46 ft deep x 53 ft wide
Porch	Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	008959
Street Address	407 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 2438 SQ FT S/E COMMERCE ST CENTREVILLE
Legal Subdivision	MILL FLATS
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

407 S Commerce St is owned and occupied by an individual who bought it in June 2026.

Source: Queen Anne's County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	407 S COMMERCE ST, CENTREVILLE, MD 21617-1219
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
Jun 11, 2026	Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
May 7, 2026	Deed, Transfer · Conventional Mortgage DEFINITIVE TITLE
Jun 7, 2023	Deed, Transfer · VA Mortgage USAA FSB
Jan 22, 2018	Grant Deed, Transfer TITLE EXCELLENCE LLC
Feb 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	May 7, 2026 · Amount on File
Deed Book / Page	4797 / 87
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 11, 2026
Property Address	407 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Document Number	4797000087
Book / Page	4797 / 87
Instrument Date	Jun 5, 2026
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,340.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S COMMERCE ST, CENTREVILLE, MD 21617-1219

Mortgage

Document Number	4797000096,
Date	Jun 11, 2026
Book Page	4797/96

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	4797000124,
Date	Jun 11, 2026
Book Page	4797/124

Lender

Name	COUNTY COMMISSIONER CHARLES C

Agreement

Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	May 7, 2026
Property Address	407 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Document Number	4778000099
Book / Page	4778 / 99
Instrument Date	Apr 29, 2026
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	DEFINITIVE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,310.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	205 UPPER MILL CT, CENTREVILLE, MD 21617-1813

Mortgage

Document Number	4778000104,
Date	May 7, 2026
Book Page	4778/104

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 7, 2023
Property Address	407 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Document Number	0042310020
Book / Page	4231 / 20
Instrument Date	May 30, 2023
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	DEFINITIVE TITLE, DEFINITIVE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	407 S COMMERCE ST, CENTREVILLE, MD 21617-1219

Mortgage

Document Number	0042310026
Date	Jun 7, 2023
Instrument	4231-0026

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jan 22, 2018
Property Address	407 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Document Number	0028400066
Book / Page	002840 / 000066
Instrument Date	Jan 19, 2018
Transaction Type	Transfer
Record Updated	Feb 1, 2018
Title Company	TITLE EXCELLENCE LLC

Transaction

Amount	Amount on Record
Tax	$37.50
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	400 E 20TH ST NEW YORK NY 100098101, NEW YORK, NY 10009-8101

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Feb 21, 2017
Property Address	407 S COMMERCE ST, CENTREVILLE, MD 21617-1219
Document Number	0026450481
Book / Page	002645 / 000481
Instrument Date	Feb 17, 2017
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 WATKINS RD GRASONVILLE MD 216381190, GRASONVILLE, MD 21638-1190

Tax Assessment & Valuation

The 2025 property tax bill for 407 S Commerce St was $3,121.

Source: Queen Anne's County assessment roll, as of August 12, 2025

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		$240,800 (+3.93%)	$249,900 (-) Land $110,000 Building $139,900
2025	$3,121.00	$231,700	$249,900 Land $110,000 Building $139,900
2023	$2,805.00	$189,933	$222,600 Land $90,000 Building $132,600

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

Flood

FEMA maps place 407 S Commerce 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 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

Wildfire risk around 407 S Commerce 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 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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