Calvert County property record for 4150 Willows Rd, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,776 sqft · built 1998 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $504,000 (Jan 2022) |
| Tax Bill | $4,527 (2023) |
| Deeds & Mortgages | Oct 2019 Mortgage Jan 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-048604 |
| Primary APN | 02-048604 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,776 sqft Total Area |
| 1st Floor Area | 892 sqft |
| Basement Area | 752 sqft |
| Finished Basement | 752 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Wood Frame |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 490 sqft |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 048604 |
|---|---|
| Old Parcel Number | 2048604 |
| Street Address | 4150 WILLOWS RD |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-4208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | LT 4 WILLOWS DEVELOPMENT CO |
| Legal Subdivision | WILLOWS |
| Legal Lot Number | 4 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 860502 |
Source: Calvert County records, as of September 18, 2023
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4150 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2019 | Deed of Trust, Mortgage · FHA Mortgage TOWNEBANK MORTGAGE |
| Jan 28, 2022 | Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Mar 4, 2019 | Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE |
| Jun 1, 2017 | Deed, Transfer · Conventional Mortgage TOWER FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2022 · Amount on Record |
| Deed Sale | Jan 28, 2022 · Amount on Record |
| Prior Sale | Mar 4, 2019 · Amount on Record |
| Deed Document Number | 0006207392 |
| Deed Book / Page | 6207 / 392 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4150 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4208 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | TRUSTED TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0054510329 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 5451/329 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jan 28, 2022 |
| Property Address | 4150 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4208 |
| Document Number | 0062070392 |
| Book / Page | 6207 / 392 |
| Map Reference | MB 245 PL 297 |
| Instrument Date | Dec 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2022 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4150 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4208 |
| Document Number | 0006207401 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 6207/401 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Mar 4, 2019 |
| Property Address | 4150 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4208 |
| Document Number | 0053240445 |
| Book / Page | 5324 / 445 |
| Map Reference | MB 245 PL 297 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,015.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4150 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4208 |
| Document Number | 0005324450 |
|---|---|
| Date | Mar 4, 2019 |
| Instrument | 5324/450 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 1, 2017 |
| Property Address | 4150 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4208 |
| Document Number | 0050030070 |
| Book / Page | 5003 / 070 |
| Map Reference | LB245 FO297 |
| Instrument Date | May 19, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MARYLAND FIRST TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4150 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4208 |
| Document Number | 0000500376 |
|---|---|
| Date | Jun 1, 2017 |
| Instrument | 5003/76 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
Source: Calvert County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,527.00 | $435,767 | $454,400 Land $180,000 Building $274,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 18, 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 |
| Flood Insurance Cost | Premium on Record median of 72 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 72 in force |
| Nearby Flood Claims | 56 (1985–2024) |
| Claims Outside the SFHA | 22 of 56 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 80% of Maryland |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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