4735 Willows Rd, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 4735 Willows Rd, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,496 sqft · built 2001
Lot Size	13.3 acres (581,526 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (May 2017)
Tax Bill	$5,065 (2023)
Deeds & Mortgages	Jun 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-059940`

Property Details

APN / Parcel Number

Primary APN	`02-059940`
Alternative APNs	`2059940` `059940`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,496 sqft Total Area
1st Floor Area	1,712 sqft
Basement Area	1,017 sqft
Finished Basement	1,017 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	581,526 sqft (13.3 acres)
Garage Type	Built-in
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	228 sqft
Deck Area	175 sqft
Patio Area	162 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	059940
Old Parcel Number	2059940
Street Address	4735 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 17R GROUP III WILLOWS COLONY
Legal Subdivision	WILLOWS COLONY DEV GRO
Legal Lot Number	17R
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, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4735 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 2, 2017	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2017 · Amount on Record
Deed Sale	May 2, 2017 · Amount on Record
Prior Sale	May 31, 2000 · Amount on Record
Deed Document Number	172946
Deed Book / Page	4984 / 46
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4735 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4221
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 WILLOWS RD, CHESAPEAK BCH, MD 20732-4221

Mortgage

Document Number	0059880332
Date	Jun 11, 2021
Book Page	5988/332

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Apr 1, 2041

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 2, 2017
Property Address	4735 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4221
Document Number	0049840046
Book / Page	4984 / 046
Map Reference	MB KPS1 FO17
Instrument Date	Apr 21, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 WILLOWS RD, CHESAPEAKE BEACH, MD 20732-4221

Mortgage

Document Number	0000498452
Date	May 2, 2017
Instrument	4984/52

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$5,065.00 Homeowner's exemption	$487,500	$506,400 Land $188,400 Building $318,000

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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