4342 Flora Ave, Prince Frederick, MD 20678 Property Records

Calvert County property record for 4342 Flora Ave, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,584 sqft · built 1976
Lot Size	0.271 acres (11,789 sqft)
Owner	2 Individual Names on File
Last Sale	$80,500 (Oct 1986)
Tax Bill	$3,034 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-039931`

Property Details

APN / Parcel Number

Primary APN	`02-039931`
Alternative APNs	`2039931` `039931`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,584 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,789 sqft (0.271 acres)
Garage Type	Attached
Garage Area	287 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	039931
Street Address	4342 FLORA AVE
City	PRINCE FREDERICK
State	MD
Zip	20678-4429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 18 BLK E CHES HGTS
Legal Subdivision	CHESAPEAKE HEIGHTS
Legal Block	E
Legal Lot Number	18
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1024
Census Tract	860502

Owner

4342 Flora Ave is owned and occupied by two individuals who bought it in October 1986.

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

Owner of Record	2 Individual Names on File
Mailing Address	4342 FLORA AVE, PRINCE FREDERICK, MD 20678-4429
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	2 Names on Deed
Last Sale	Oct 31, 1986 · Amount on File
Deed Sale	Oct 31, 1986 · Amount on File
Deed Book / Page	384 / 82
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4342 FLORA AVE, PRINCE FREDERICK, MD 20678-4429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4342 FLORA AVE, PRINCE FREDERICK, MD 20678-4429

Mortgage

Document Number	0057580100
Date	Nov 10, 2020
Book Page	5758/100

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4342 Flora Ave was $3,034.

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		$285,333	$304,500 Land $109,200 Building $195,300
2025	$3,034.00
2023	$2,482.00	$238,967	$247,000 Land $109,200 Building $137,800

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

Flood

FEMA maps place 4342 Flora Ave 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	Tropical Storm Isaias, Aug 2020 · 2 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 4342 Flora Ave is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 77% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHESAPEAKE HEIGHTS (BAYSIDE FOREST) serves 1,190 people · EPA ID MD0040018
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20