4085 Waterfront Rd, Bivalve, MD 21814 Property Records

Wicomico County property record for 4085 Waterfront Rd, Bivalve, MD 21814

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,019 sqft · built 1951
Lot Size	2.39 acres (104,108 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Dec 2003)
Tax Bill	$901 (2025)
Deeds & Mortgages	Apr 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`12-004990`

Property Details

APN / Parcel Number

Primary APN	`12-004990`
Alternative APN	`004990`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,019 sqft Total Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	104,108 sqft (2.39 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	004990
Street Address	4085 WATERFRONT RD
City	BIVALVE
State	MD
Zip	21814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	L-2.39 AC 4085 WATERFRONT RD N OF BIVALVE
Legal Subdivision	JOHNSON MILTON G & NORMA S
Jurisdiction	WICOMICO MD
Township / Civil Division	17, WESTSIDE
Census Block Group	4
Census Block	4005
Census Tract	10800

Owner

4085 Waterfront Rd is owned and occupied by an individual who acquired it in November 2009.

Source: Wicomico County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	4085 WATERFRONT RD, BIVALVE, MD 21814
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	Name on Deed
Last Sale	Dec 17, 2003 · Amount on File
Deed Sale	Dec 17, 2003 · Amount on File
Prior Sale	Jul 22, 2002 · Amount on File
Deed Document Number	20033898
Deed Book / Page	2171 / 58
Last Transfer Date	Nov 19, 2009
Transfer Doc	0031280395
Record Updated	Oct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WICOMICO MD
Recording Date	Apr 28, 2022
Property Address	4085 WATERFRONT RD, BIVALVE, MD 21814
Document Number	0050870029
Book / Page	5087 / 29
Instrument Date	Apr 25, 2022
Transaction Type	Transfer
Record Updated	May 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 WATERFRONT ROAD, BIVALVE, MD 21814

Tax Assessment & Valuation

The 2025 property tax bill for 4085 Waterfront Rd was $901 with a homeowner's exemption.

Source: Wicomico County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Wicomico County
Unified School District	Wicomico County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$105,300 (+7.96%) Land $32,200 Building $73,100	$105,300 (-) Land $32,200 Building $73,100
2025	$901.00 Homeowner's exemption	$97,533	$105,300 Land $32,200 Building $73,100
2023	$817.00 Homeowner's exemption	$82,000 Land $32,200 Building $49,800	$82,000 Land $32,200 Building $49,800

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

Flood

FEMA maps place 4085 Waterfront Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 28, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 70 policies
Nearby Flood Policies	70 in force
Nearby Flood Claims	49 (1992–2022)
Claims Outside the SFHA	19 of 49
Most Recent Claim	Dec 2022 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 19 claims Hurricane Isabel, Sep 2003 · 15 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 4085 Waterfront Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30