Calvert County property record for 4405 Willows Rd, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,008 sqft · built 1988 |
| Lot Size | 0.719 acres (31,308 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Aug 2021) |
| Tax Bill | $4,183 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-034697 |
| Primary APN | 02-034697 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,008 sqft Total Area |
| Basement Area | 856 sqft |
| Finished Basement | 856 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Split Foyer |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 31,308 sqft (0.719 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Slab |
| Porch Area | 56 sqft |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 034697 |
|---|---|
| Street Address | 4405 WILLOWS RD |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-4215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | P/O LT I GROUP 1 WILLOWS COLONY |
| Legal Subdivision | GROUP I ESTATE SITES |
| Legal Lot Number | I |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 860502 |
Source: Calvert County records, as of October 9, 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 Record |
|---|---|
| Mailing Address | 4405 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 3, 2021 | Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| May 24, 2017 | Grant Deed, Transfer RESIDENTIAL MTG SVC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2021 · Amount on Record |
| Deed Sale | Aug 3, 2021 · Amount on Record |
| Prior Sale | Jun 14, 2017 · Amount on Record |
| Deed Book / Page | 6039 / 573 |
| Prior Transfer Date | Apr 30, 2012 |
| Prior Transfer Doc | 0039240215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4405 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4215 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 4405 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4215 |
| Document Number | 0063260206 |
|---|---|
| Date | Aug 10, 2022 |
| Book Page | 6326/206 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Aug 3, 2021 |
| Property Address | 4405 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4215 |
| Document Number | 0060390573 |
| Book / Page | 6039 / 573 |
| Instrument Date | Jun 21, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4405 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4215 |
| Document Number | 6039582 |
|---|---|
| Date | Aug 3, 2021 |
| Instrument | 6039/582 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | May 24, 2017 |
| Property Address | 4405 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4215 |
| Document Number | 0050100489 |
| Book / Page | 005010 / 000489 |
| Instrument Date | May 24, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2017 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $299.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4405 WILLOWS RD CHESAPEAKE BEACH MD 207324215, CHESAPEAKE BEACH, MD 20732-4215 |
| Document Number | 50100495 |
|---|---|
| Date | May 24, 2017 |
| Book Page | 005010/000495 |
| Name | RESIDENTIAL MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 23, 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 | $392,600 (+6.95%) | $418,100 (-) Land $129,100 Building $289,000 | |
| 2025 | $4,183.00 (+23.83%) Homeowner's exemption | $367,100 (+12.91%) | $418,100 (+22.39%) Land $129,100 Building $289,000 |
| 2023 | $3,378.00 Homeowner's exemption | $325,133 | $341,600 Land $129,100 Building $212,500 |
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 | Moderate above 40% of the US · above 80% of Maryland |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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