Calvert County property record for 4520 Willows Rd, Chesapeake Beach, MD 20732
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,652 sqft · built 2002 |
| Lot Size | 2.01 acres (87,556 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600,000 (Feb 2023) |
| Tax Bill | $6,087 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-085933 |
| Primary APN | 02-085933 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,652 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 87,556 sqft (2.01 acres) |
| Garage Type | Built-in |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 102 sqft |
| Deck Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 085933 |
|---|---|
| Street Address | 4520 WILLOWS RD |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-4216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | LT 24 PLAT 1 WILLOWS WOOD |
| Legal Subdivision | WILLOWSWOOD |
| Legal Lot Number | 24 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 860502 |
Source: Calvert County records · APN 02-085933
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 | 4520 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 23, 2023 · Amount on Record |
| Deed Sale | Feb 23, 2023 · Amount on Record |
| Prior Sale | May 09, 2002 · Amount on Record |
| Deed Book / Page | 6404 / 1 |
| Prior Transfer Date | Jun 02, 2011 |
| Prior Transfer Doc | 0038620119 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Feb 23, 2023 |
| Property Address | 4520 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4216 |
| Document Number | 0064040001 |
| Book / Page | 6404 / 1 |
| Map Reference | MB 4 PL 410 |
| Instrument Date | Feb 20, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Title Company | CROWN TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4520 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4216 |
| Document Number | 0000064049 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 6404/9 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
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 | $6,087.00 (+21.64%) Homeowner's exemption | $543,567 (+12.85%) | $626,300 (+24.71%) Land $170,100 Building $456,200 |
| 2023 | $5,004.00 | $481,667 | $502,200 Land $170,100 Building $332,100 |
Source: FEMA National Flood Hazard Layer as of April 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 40% of the US · above 80% of Maryland |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 56 locations within half a mile of this property.
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