44 Cross Point Dr, Owings, MD 20736 Property Records

Calvert County property record for 44 Cross Point Dr, Owings, MD 20736 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,275 sqft · built 2000
Lot Size	0.56 acres (24,437 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Jun 2009)
Tax Bill	$4,583 (2023)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-154459`

Property Details

APN / Parcel Number

Primary APN	`03-154459`
Alternative APNs	`3154459` `154459`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,275 sqft Total Area
1st Floor Area	2,275 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,437 sqft (0.56 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	154459
Old Parcel Number	3154459
Street Address	44 CROSS POINT DR
City	OWINGS
State	MD
Zip	20736-3323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 15 PLAT 2 CROSS POINT
Legal Subdivision	CROSS POINT 02
Legal Lot Number	15
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2002
Census Tract	860200

Owner

Source: Calvert County records · APN 03-154459

Assessment roll updated July 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	44 CROSS POINT DR, OWINGS, MD 20736-3323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 03, 2009 · Amount on Record
Deed Sale	Jun 03, 2009 · Amount on Record
Prior Sale	Nov 13, 2000 · Amount on Record
Deed Document Number	92183
Deed Book / Page	KPS03316 / 0318
Record Updated	Jun 07, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	44 CROSS POINT DR, OWINGS, MD 20736-3323
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061000122
Date	Oct 04, 2021
Book Page	6100/122

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,583.00 Homeowner's exemption	$441,133	$487,600 Land $181,900 Building $305,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240098602002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 6 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force 6 of 6 on primary residences
Nearby Flood Claims	2 (2002–2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2003, river or lake flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.