Calvert County property record for 4495 Willows Rd, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,387 sqft · built 1987 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $360,000 (Sep 2003) |
| Tax Bill | $5,389 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-060515 |
| Primary APN | 02-060515 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,387 sqft Total Area |
| Basement Area | 1,380 sqft |
| Finished Basement | 1,380 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Detached |
| Garage Area | 896 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 060515 |
|---|---|
| Street Address | 4495 WILLOWS RD |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-4215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 10 GROUP III WILLOWS COLONY |
| Legal Subdivision | WILLOWS COLONY |
| Legal Lot Number | 10 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 860502 |
Source: Calvert County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4495 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2003 · Amount on Record |
| Deed Sale | Sep 12, 2003 · Amount on Record |
| Prior Sale | Aug 4, 1989 · Amount on Record |
| Deed Document Number | 200340806 |
| Deed Book / Page | 1987 / 642 |
| Last Transfer Date | Jun 18, 2025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4495 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4215 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0050210462 |
|---|---|
| Date | Jun 29, 2017 |
| Book Page | 5021/462 |
| Name | PRINCE GEORGES COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | PITTSBURGH, PA 15201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 21, 2042 |
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 | $516,067 (+20.9%) | $553,300 (+25.29%) Land $168,300 Building $385,000 | |
| 2025 | $5,389.00 (+21.51%) | ||
| 2023 | $4,435.00 Homeowner's exemption | $426,867 | $441,600 Land $168,300 Building $273,300 |
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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