4655 Willows Rd, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 4655 Willows Rd, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,952 sqft · built 1984
Lot Size	9.27 acres (403,801 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Aug 2019)
Tax Bill	$222 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-059932`

Property Details

APN / Parcel Number

Primary APN	`02-059932`
Alternative APNs	`2059932` `059932`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,952 sqft Total Area
Basement Area	1,080 sqft
Finished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	403,801 sqft (9.27 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Pool Area	920 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	059932
Street Address	4655 WILLOWS RD
City	CHESAPEAKE BEACH
State	MD
Zip	20732-4219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 16 GROUP III WILLOWS COLONY
Legal Subdivision	WILLOWS COLONY DEVELOPMENT
Legal Lot Number	16
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 September 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4655 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 16, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Apr 1, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Aug 1, 2019	Deed, Transfer · VA Mortgage UNIVEST BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Sep 22, 2006 · Amount on Record
Deed Book / Page	5404 / 2
Prior Transfer Date	May 31, 2013
Prior Transfer Doc	0042340298
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	Sep 2, 2026
Property Address	4655 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4219
Document Number	6960000001
Book / Page	6960 / 1
Instrument Date	Aug 26, 2026
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4655 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4219

Mortgage

Document Number	6960000001,
Date	Sep 2, 2026
Book Page	6960/1

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4655 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4219
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058950468
Date	Mar 16, 2021
Book Page	5895/468

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4655 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4219
Document Number	0055630214
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4655 WILLOWS RD CHESAPEAKE BEACH MD 207324219, CHESAPEAKE BEACH, MD 20732-4219

Mortgage

Document Number	0055630214
Date	Apr 9, 2020
Book Page	005563/000214

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2050

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 1, 2019
Property Address	4655 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4219
Document Number	0054040002
Book / Page	5404 / 002
Map Reference	MB ABE 1 PL 265
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	TERRAIN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4655 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4219

Mortgage

Document Number	5404008
Date	Aug 1, 2019
Instrument	5404/008

Lender

Name	UNIVEST BANK & TRUST CO
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2049

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		$782,733 (+8.55%)	$844,400 (-) Land $221,500 Building $622,900
2025	$222.00 (-96.34%) Homeowner's exemption	$721,067 (+20.07%)	$844,400 (+28.06%) Land $221,500 Building $622,900
2023	$6,069.00 Homeowner's exemption	$600,533	$659,400 Land $221,500 Building $437,900

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

Cell Coverage

5G (outdoors only) and 4G LTE

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