4579 Willows Rd, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 4579 Willows Rd, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,225 sqft · built 2013
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Trust Names on File
Last Sale	$200,000 (Sep 2022)
Tax Bill	$5,900 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-034735`

Property Details

APN / Parcel Number

Primary APN	`02-034735`
Alternative APNs	`2034735` `034735`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,225 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Built-in
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	034735
Street Address	4579 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	1.05 AC WILLOWS COLONY
Legal Subdivision	WILLOWS COLONY
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1002
Census Tract	860502

Owner

Source: Calvert County records · APN 02-034735

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	2 Trust Names on File
Mailing Address	4579 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 26, 2022	Intrafamily Transfer, Transfer
Apr 09, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 26, 2022 · Amount on Record
Deed Sale	Sep 26, 2022 · Amount on Record
Prior Sale	Jan 04, 2012 · Amount on Record
Deed Book / Page	6348 / 231
Prior Transfer Date	Jun 22, 2022
Prior Transfer Doc	0063480231
Record Updated	Jun 08, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4579 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217
Transaction Type	Mortgage
Record Updated	Jul 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4579 WILLOMS RD, CHESAPEAKE BEACH, MD 20732-4217

Mortgage

Document Number	0064570070
Date	Jul 12, 2023
Book Page	6457/70

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	294 Months
Due	Jan 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Sep 26, 2022
Property Address	4579 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217
Document Number	0063480231
Book / Page	6348 / 231
Instrument Date	Jun 22, 2022
Transaction Type	Transfer
Record Updated	Oct 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4579 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059260282
Date	Apr 09, 2021
Book Page	5926/282

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$5,900.00 (+21.2%) Homeowner's exemption	$526,733 (+12.41%)	$623,400 (+30.31%) Land $133,400 Building $490,000
2023	$4,868.00 Homeowner's exemption	$468,600	$478,400 Land $133,400 Building $345,000

Flood & Wildfire

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

Flood

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

Wildfire

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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