4725 Willows Rd, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 4725 Willows Rd, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,904 sqft · built 1997
Lot Size	2.57 acres (111,949 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Feb 2019)
Tax Bill	$4,994 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-034042`

Property Details

APN / Parcel Number

Primary APN	`02-034042`
Alternative APNs	`2034042` `034042`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,904 sqft Total Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	111,949 sqft (2.57 acres)
Garage Type	Mixed
Garage Area	1,728 sqft
Parking Spaces	6 Parking Spaces
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	034042
Street Address	4725 WILLOWS RD
City	CHESAPEAKE BEACH
State	MD
Zip	20732-4221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT C GROUP 2 WILLOWS COLONY
Legal Subdivision	GROUP II ESATES SITES WILLOW COLONY
Legal Lot Number	C
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	Individual Name on Record
Mailing Address	4725 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2023	Deed of Trust, Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Feb 21, 2019	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2019 · Amount on Record
Deed Sale	Feb 21, 2019 · Amount on Record
Prior Sale	Feb 8, 2008
Deed Book / Page	5320 / 262
Prior Transfer Date	Feb 15, 2019
Prior Transfer Doc	0053200262
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4725 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4221
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065070129
Date	Nov 21, 2023
Book Page	6507/129

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Amount	Amount Recorded

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 21, 2019
Property Address	4725 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4221
Document Number	0053200262
Book / Page	5320 / 262
Map Reference	MB AWR 1 PG 42
Instrument Date	Feb 15, 2019
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4725 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4221

Mortgage

Document Number	0005320268
Date	Feb 21, 2019
Instrument	5320/268

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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		$476,867 (+7.83%)	$511,500 (-) Land $153,300 Building $358,200
2025	$4,994.00 (+22.64%)	$442,233 (+12.83%)	$511,500 (+25.49%) Land $153,300 Building $358,200
2023	$4,072.00	$391,933	$407,600 Land $153,300 Building $254,300

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	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.04% 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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