431 E Chesapeake Beach Rd, Owings, MD 20736 Property Records

Calvert County property record for 431 E Chesapeake Beach Rd, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,975 sqft · built 1974
Lot Size	5.64 acres (245,678 sqft)
Owner	2 Trust Names on File
Last Sale	$423,000 (Jan 2002)
Tax Bill	$7,980 (2025)
Deeds & Mortgages	Aug 2023 Transfer Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-017982`

Property Details

APN / Parcel Number

Primary APN	`03-017982`
Alternative APNs	`3017982` `017982`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,975 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	245,678 sqft (5.64 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,504 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	017982
Street Address	431 E CHESAPEAKE BEACH RD
City	OWINGS
State	MD
Zip	20736-3507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	5.64 AC 431 CHESAPEAKE BEACH RD OWINGS
Legal Subdivision	BEVERLY O & CHARLES G SPICKNAL
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1007
Census Tract	860300

Owner

431 E Chesapeake Beach Rd is owner-occupied and held in a trust since January 2002.

Source: Calvert County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 553, OWINGS, MD 20736-0553
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Gift Deed, Transfer
Jan 25, 2022	Deed of Trust, Mortgage · Line of Credit FEDCHOICE FCU
Mar 15, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2002 · Amount on File
Deed Sale	Jan 9, 2002 · Amount on File
Deed Document Number	20022382
Deed Book / Page	1506 / 353
Record Updated	Oct 29, 2026

August 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 31, 2023
Property Address	431 E CHESAPEAKE BEACH RD, OWINGS, MD 20736-3507
Document Number	0064770261
Book / Page	6477 / 261
Map Reference	LB 369 FO 551
Instrument Date	Aug 29, 2023
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 E CHESAPEAKE BEACH RD, OWINGS, MD 20736-3507

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	431 E CHESAPEAKE BEACH RD, OWINGS, MD 20736-3507

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	431 E CHESAPEAKE BEACH RD, OWINGS, MD 20736-3507
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E CHESAPEAKE BEACH RD, OWINGS, MD 20736-3507

Mortgage

Document Number	0062040197
Date	Jan 25, 2022
Book Page	6204/197

Lender

Name	FEDCHOICE FCU
Type	Credit Union
Address	LANHAM, MD 20706

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Nov 27, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Mar 15, 2021
Property Address	431 E CHESAPEAKE BEACH RD, OWINGS, MD 20736-3507
Document Number	0058930154
Book / Page	5893 / 154
Map Reference	LB 369 FO 551
Instrument Date	Mar 4, 2021
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 553, OWINGS, MD 20736-0553

Tax Assessment & Valuation

The 2025 property tax bill for 431 E Chesapeake Beach Rd was $7,980 with a homeowner's exemption.

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$742,167 (+3.22%)	$788,500 (+9.67%) Land $170,500 Building $618,000
2025	$7,980.00 Homeowner's exemption	$719,000 Land $170,500 Building $548,500	$719,000 Land $170,500 Building $548,500
2023	$6,428.00 Homeowner's exemption	$618,733	$719,000 Land $170,500 Building $548,500

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

Flood

FEMA maps place 431 E Chesapeake Beach Rd 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 April 18, 2021 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1999–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2020 · Tropical Storm Isaias

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 431 E Chesapeake Beach 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	Direct burnable vegetation

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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