4346 Flora Ave, Prince Frederick, MD 20678 Property Records

Calvert County property record for 4346 Flora Ave, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,812 sqft · built 1976
Lot Size	0.32 acres (13,945 sqft)
Owner	Individual Name on Record
Last Sale	$206,000 (Dec 2003)
Tax Bill	$3,017 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-039354`

Property Details

APN / Parcel Number

Primary APN	`02-039354`
Alternative APNs	`2039354` `039354`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,812 sqft Total Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,945 sqft (0.32 acres)
Porch	Slab
Porch Area	475 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	039354
Street Address	4346 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 17 BLK E CHES HGTS ON THE BAY
Legal Subdivision	CHESAPEAKE HEIGHTS
Legal Block	E
Legal Lot Number	17
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1024
Census Tract	860502

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4346 FLORA AVE, PRINCE FREDERICK, MD 20678-4429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2003 · Amount on Record
Deed Sale	Dec 15, 2003 · Amount on Record
Prior Sale	Apr 24, 1992 · Amount on Record
Deed Document Number	200342101
Deed Book / Page	2070 / 506
Last Transfer Date	Mar 26, 2021
Transfer Doc	0059270222
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Apr 12, 2021
Property Address	4346 FLORA AVE, PRINCE FREDERICK, MD 20678-4429
Document Number	0059270222
Book / Page	5927 / 222
Map Reference	MB JLB 1 FO 22
Instrument Date	Mar 26, 2021
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	ACCOMODATION, ACCOMMODATION

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 in Severalty
Address	4346 FLORA AVE, PRINCE FREDERICK, MD 20678-4429

Mortgage

Document Number	5927227
Date	Apr 12, 2021
Instrument	5927/227

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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		$283,467 (+7.12%)	$302,300 (-) Land $110,300 Building $192,000
2025	$3,017.00 (+21.65%) Homeowner's exemption	$264,633 (+10.86%)	$302,300 (+22.99%) Land $110,300 Building $192,000
2023	$2,480.00 Homeowner's exemption	$238,700	$245,800 Land $110,300 Building $135,500

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

Flood

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	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

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