Calvert County property record for 4225 Willows Rd, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,388 sqft · built 2024 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,900 (Feb 2022) |
| Tax Bill | $6,149 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Feb 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-059916 |
| Primary APN | 02-059916 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,388 sqft Total Area |
| Basement Area | 972 sqft |
| Finished Basement | 972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 059916 |
|---|---|
| Street Address | 4225 WILLOWS RD |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-4210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 6 GROUP III WILLOWS COLONY |
| Legal Subdivision | WILLOWS COLONY |
| Legal Lot Number | 6 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 860502 |
4225 Willows Rd is owned and occupied by two individuals who bought it in February 2022.
Source: Calvert County records, as of December 2, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4225 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4210 |
| 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.
| Date | Document |
|---|---|
| Sep 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage SHORE UNITED BANK NA |
| Feb 18, 2022 | Deed, Transfer · Stand-Alone First Mortgage THE LOMAN L DUDLEY JR TRUST |
| Mar 13, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Aug 7, 2019 | Grant Deed, Transfer LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2022 · Amount on File |
| Deed Sale | Feb 18, 2022 · Amount on File |
| Prior Sale | Aug 7, 2019 · Amount on File |
| Deed Book / Page | 6222 / 487 |
| Prior Transfer Date | Mar 2, 2020 |
| Prior Transfer Doc | 0055460024 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4225 WILLOWS RD, CHESAPEAKE BEACH, MD 20732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4225 WILLOWS RD, CHESAPEAK BCH, MD 20732 |
| Document Number | 0064870243 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 6487/243 |
| Name | SHORE UNITED BANK NA |
|---|---|
| Type | Bank |
| Address | EASTON, MD 21601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Oct 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.12% |
| Type Change Date | Oct 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 7.12% |
| Max Rate At Change | 12.1% |
| Index | 1-Year T-Bill |
| Max Rate | 12.1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Feb 18, 2022 |
| Property Address | 4225 WILLOWS RD, CHESAPEAKE BEACH, MD 20732 |
| Document Number | 0062220487 |
| Book / Page | 6222 / 487 |
| Map Reference | LB ABE 1 FO 264 |
| Instrument Date | Jan 31, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2022 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $749.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4225 WILLOWS RD, CHESAPEAKE BEACH, MD 20732 |
| Document Number | 0006222493 |
|---|---|
| Date | Feb 18, 2022 |
| Instrument | 6222/493 |
| Name | THE LOMAN L DUDLEY JR TRUST |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 27 Months |
| Due | May 1, 2024 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Mar 13, 2020 |
| Property Address | 4225 WILLOWS RD, CHESAPEAKE BEACH, MD 20732 |
| Document Number | 0055460024 |
| Book / Page | 005546 / 000024 |
| Instrument Date | Mar 2, 2020 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 445 CARRIAGE LN HUNTINGTOWN MD 206399402, HUNTINGTOWN, MD 20639-9402 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Aug 7, 2019 |
| Property Address | 4225 WILLOWS RD, CHESAPEAKE BEACH, MD 20732 |
| Document Number | 0054080336 |
| Book / Page | 005408 / 000336 |
| Instrument Date | Jul 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2019 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Tax | $139.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 444 CARRIAGE LN HUNTINGTOWN MD 20639, HUNTINGTOWN, MD 20639 |
The 2025 property tax bill for 4225 Willows Rd was $6,149.
Source: Calvert County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,149.00 | $549,333 | $650,400 Land $168,300 Building $482,100 |
| 2023 | $1,506.00 | $145,000 Land $145,000 | $145,000 Land $145,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4225 Willows Rd in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1985.
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 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.
Wildfire risk around 4225 Willows Rd is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.06% 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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