4515 Willows Rd, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 4515 Willows Rd, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,807 sqft · built 1987
Lot Size	4.16 acres (181,210 sqft)
Owner	2 Trust Names on Record
Last Sale	$20,000 (Aug 1985)
Tax Bill	$5,564 (2025)
Flood Zone	Zone X (minimal risk)
APN	`02-060523`

Property Details

APN / Parcel Number

Primary APN	`02-060523`
Alternative APNs	`2060523` `060523`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,807 sqft Total Area
Basement Area	182 sqft
Finished Basement	182 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	181,210 sqft (4.16 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	424 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	060523
Street Address	4515 WILLOWS RD
City	CHESAPEAKE BEACH
State	MD
Zip	20732-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 11R GROUP III WILLOWS COLONY
Legal Subdivision	WILLOWS COLONY
Legal Lot Number	11R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1002
Census Tract	860502

Owner

Source: Calvert County records, as of July 28, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	4515 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 1985 · Amount on Record
Deed Sale	Aug 16, 1985 · Amount on Record
Deed Book / Page	345 / 628
Last Transfer Date	Dec 11, 2014
Transfer Doc	0044990131
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$528,733 (+6.8%)	$562,400 (-) Land $178,100 Building $384,300
2025	$5,564.00 (+20.64%)	$495,067 (+11.53%)	$562,400 (+21.89%) Land $178,100 Building $384,300
2023	$4,612.00	$443,900	$461,400 Land $178,100 Building $283,300

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

Flood

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	Tropical Storm Isaias, Aug 2020 · 2 claims Hurricane Isabel, Sep 2003 · 15 claims

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.

Wildfire

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.

Internet Providers

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