Calvert County property record for 440 E Mount Harmony Rd, Owings, MD 20736 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 1978 |
| Square Footage | 2,014 sqft Total Area |
| Lot Size | 43,560 sqft (1 acres) |
| Garage | Attached, 280 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $385,000 (2020) |
| Tax Bill | $4,828.00 (2025) |
| Primary APN | 03-012972 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,014 sqft Total Area |
| Basement Area | 704 sqft Basement |
| Finished Basement | 704 sqft Finished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 280 sqft Garage |
| Deck Area | 192 sqft Deck |
| Patio Area | 88 sqft Patio |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Account Number | 012972 |
|---|---|
| Street Address | 440 E MOUNT HARMONY RD |
| City | OWINGS |
| State | MD |
| Zip | 20736-8809 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1 AC 440 E MT HARMONY RD MT HARMONY |
| Legal Subdivision | QUINCE VIEW MEADOWS |
| Jurisdiction | CALVERT MD |
| Minor Civil Division | 3, SUNDERLAND |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 860300 |
Source: Calvert County records · APN 03-012972
Assessment roll updated July 29, 2025 · Last verified April 2026
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 | 440 E MOUNT HARMONY RD, OWINGS, MD 20736-8809 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 05, 2020 | Deed, Transfer · Veterans Administration Mortgage PROSPERITY HOME MORTGAGE LLC |
| Feb 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 05, 2020 · Amount on Record |
| Deed Sale | Jun 05, 2020 · Amount on Record |
| Prior Sale | Jun 05, 2009 |
| Deed Book / Page | 5607 / 490 |
| Prior Transfer Date | May 21, 2009 |
| Prior Transfer Doc | KPS033160342 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 05, 2020 |
| Property Address | 440 E MOUNT HARMONY RD, OWINGS, MD 20736-8809 |
| Document Number | 0056070490 |
| Book / Page | 5607 / 490 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | RGS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $962.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 440 E MOUNT HARMONY RD, 440, OWINGS, MD 20736-8809 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 440 E MOUNT HARMONY RD, OWINGS, MD 20736-8809 |
| Document Number | 5607500 |
|---|---|
| Date | Jun 05, 2020 |
| Instrument | 5607/500 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 440 E MOUNT HARMONY RD, OWINGS, MD 20736-8809 |
| Document Number | 0051530012 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 440 E MOUNT HARMONY RD OWINGS MD 207368809, OWINGS, MD 20736-8809 |
| Document Number | 0051530012 |
|---|---|
| Date | Mar 05, 2018 |
| Book Page | 005153/000012 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 04, 2023 |
Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
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 |
|---|---|---|---|
| 2025 | $4,828.00 (+25.66%) Homeowner's exemption | $426,900 (+15.43%) Land $150,000 Building $276,900 | $426,900 (-) Land $150,000 Building $276,900 |
| 2023 | $3,842.00 Homeowner's exemption | $369,833 | $426,900 Land $150,000 Building $276,900 |
Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 32% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 3,125 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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