Calvert County property record for 4358 Flora Ave, Prince Frederick, MD 20678
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,680 sqft · built 1977 |
| Lot Size | 0.469 acres (20,428 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $335,000 (May 2026) |
| Tax Bill | $3,629 (2025) |
| Deeds & Mortgages | Jun 2024 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-039915 |
| Primary APN | 02-039915 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Total Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,428 sqft (0.469 acres) |
| Porch | Slab |
| Porch Area | 364 sqft |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 039915 |
|---|---|
| Street Address | 4358 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 14 BLK E CHES HGTS |
| Legal Subdivision | CHESAPEAKE HEIGHTS |
| Legal Block | E |
| Legal Lot Number | 14 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 2, PRINCE FREDERICK |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 860502 |
Source: Calvert County records, as of August 31, 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 | 4358 FLORA AVE, PRINCE FREDERICK, MD 20678-4429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2024 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| May 21, 2026 | Deed, Transfer · Conventional Mortgage TITLE FAX, TITLEMAX |
| May 9, 2017 | Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on Record |
| Deed Sale | May 21, 2026 · Amount on Record |
| Prior Sale | May 9, 2017 · Amount on Record |
| Deed Book / Page | 6904 / 138 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4358 FLORA AVE, PRINCE FREDERICK, MD 20678-4429 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4358 FLORA AVE, PRINCE FREDERICK, MD 20678-4429 |
| Document Number | 0065760288 |
|---|---|
| Date | Jun 5, 2024 |
| Book Page | 6576/288 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 318 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | May 21, 2026 |
| Property Address | 4358 FLORA AVE, PRINCE FREDERICK, MD 20678-4429 |
| Document Number | 6904000138 |
| Book / Page | 6904 / 138 |
| Instrument Date | May 8, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | TITLE FAX, TITLEMAX |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $338,350.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4358 FLORA AVE, PRINCE FREDERICK, MD 20678-4429 |
| Document Number | 6904000143, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 6904/143 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | May 9, 2017 |
| Property Address | 4358 FLORA AVE, PRINCE FREDERICK, MD 20678-4429 |
| Document Number | 0049890437 |
| Book / Page | 4989 / 437 |
| Map Reference | MB JLB1 PL22 |
| Instrument Date | Apr 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | TITLEMAX LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4358 FLORA AVE, PRINCE FREDERICK, MD 20678-4429 |
| Document Number | 0004989445 |
|---|---|
| Date | May 9, 2017 |
| Instrument | 4989/445 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $343,400 (+6.88%) | $365,500 (-) Land $113,600 Building $251,900 | |
| 2025 | $3,629.00 (+20.77%) | $321,300 (+11.07%) | $365,500 (+22.16%) Land $113,600 Building $251,900 |
| 2023 | $3,005.00 | $289,267 | $299,200 Land $113,600 Building $185,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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 |
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