Calvert County property record for 4194 Williams Wharf Rd, Saint Leonard, MD 20685
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,125 sqft · built 1991 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $271,000 (Jul 2002) |
| Tax Bill | $5,160 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-212400 |
| Primary APN | 01-212400 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,125 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Mixed |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 924 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 212400 |
|---|---|
| Street Address | 4194 WILLIAMS WHARF RD |
| City | SAINT LEONARD |
| State | MD |
| Zip | 20685-3036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | LT 3 MARK & JENNY NELSON PROP |
| Legal Subdivision | MARK & JENNY NELSON SUBDIVISION |
| Legal Lot Number | 3 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 2, PRINCE FREDERICK |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 860801 |
4194 Williams Wharf Rd is held in a trust since August 2021.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 151 ROSEWOOD WAY, PARACHUTE, CO 81635-9558 |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 21, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 21, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2002 · Amount on File |
| Deed Sale | Jul 30, 2002 · Amount on File |
| Deed Document Number | 200230247 |
| Deed Book / Page | 1618 / 266 |
| Last Transfer Date | Aug 20, 2021 |
| Transfer Doc | 0064480296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4194 WILLIAMS WHARF RD, SAINT LEONARD, MD 20685-3036 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0065150290 |
|---|---|
| Date | Dec 15, 2023 |
| Book Page | 6515/290 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 153 Months |
| Due | Sep 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 21, 2023 |
| Property Address | 4194 WILLIAMS WHARF RD, SAINT LEONARD, MD 20685-3036 |
| Document Number | 0064480264 |
| Book / Page | 6448 / 264 |
| Instrument Date | Aug 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4194 WILLIAMS WHARF RD, SAINT LEONARD, MD 20685-3036 |
| Document Number | 0006448271 |
|---|---|
| Date | Jun 21, 2023 |
| Instrument | 6448/271 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 159 Months |
| Due | Sep 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 21, 2023 |
| Property Address | 4194 WILLIAMS WHARF RD, SAINT LEONARD, MD 20685-3036 |
| Document Number | 0064480296 |
| Book / Page | 6448 / 296 |
| Instrument Date | Aug 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4194 WILLIAMS WHARF RD, SAINT LEONARD, MD 20685-3036 |
The 2025 property tax bill for 4194 Williams Wharf Rd was $5,160.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $486,000 (+6.21%) Land $144,100 Building $341,900 | $486,000 (-) Land $144,100 Building $341,900 | |
| 2025 | $5,160.00 | $457,600 | $486,000 Land $144,100 Building $341,900 |
| 2023 | $4,164.00 (+2.46%) | $400,800 (+2.45%) Land $144,100 Building $256,700 | $400,800 (-) Land $144,100 Building $256,700 |
| 2022 | $4,064.00 | $391,200 | $400,800 Land $144,100 Building $256,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4194 Williams Wharf Rd in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1991.
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 File median of 42 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 30 (1991–2021) |
| Claims Outside the SFHA | 8 of 30 |
| Most Recent Claim | Oct 2021 · river or lake flooding |
| 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.
Wildfire risk around 4194 Williams Wharf Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
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 | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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