4585 Willows Rd, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 4585 Willows Rd, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,246 sqft · built 1992
Lot Size	0.639 acres (27,878 sqft)
Owner	Individual Name on File
Last Sale	$415,550 (Dec 2022)
Tax Bill	$3,229 (2023)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-033496`

Property Details

APN / Parcel Number

Primary APN	`02-033496`
Alternative APNs	`2033496` `033496`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,246 sqft Total Area
1st Floor Area	1,246 sqft
Basement Area	616 sqft
Finished Basement	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.639 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	033496
Old Parcel Number	2033496
Street Address	4585 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	27878 SF 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 02-033496

Assessment roll updated July 1, 2023 · Last verified September 2023

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
Co-owner	Verified Secondary Owner
Mailing Address	4585 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Prior Sale	May 27, 2011
Deed Document Number	0000638367
Deed Book / Page	6383 / 67
Record Updated	Jun 07, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 20, 2022
Property Address	4585 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217
Document Number	0063830067
Book / Page	6383 / 67
Instrument Date	Dec 08, 2022
Transaction Type	Transfer
Record Updated	Feb 02, 2023
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,038.88
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4585 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217

Mortgage

Document Number	0000638373
Date	Dec 20, 2022
Instrument	6383/73

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4585 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4217
Document Number	0049870372
Book / Page	004987 / 000372
Instrument Date	Apr 17, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4585 WILLOWS RD CHESAPEAKE BEACH MD 207324217, CHESAPEAKE BEACH, MD 20732-4217

Mortgage

Document Number	0049870372
Date	May 05, 2017
Book Page	004987/000372

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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
2023	$3,229.00	$310,833	$322,100 Land $128,100 Building $194,000

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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