Calvert County property record for 490 W Mount Harmony Rd, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,968 sqft · built 1981 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $675,000 (Jul 2026) |
| Tax Bill | $4,807 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-086585 |
| Primary APN | 03-086585 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,968 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 48,352 sqft (1.11 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 840 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 160 sqft |
| Deck Area | 256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 086585 |
|---|---|
| Street Address | 490 W MOUNT HARMONY RD |
| City | OWINGS |
| State | MD |
| Zip | 20736-8909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | LT 1 DOROTHY B WARD PROP |
| Legal Subdivision | DOROTHY B WARD PROPERTY |
| Legal Lot Number | 1 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 860200 |
490 W Mount Harmony Rd is owned and occupied by two individuals who bought it in July 2026.
Source: Calvert County records, as of July 21, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 490 W MOUNT HARMONY RD, OWINGS, MD 20736-8909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on File |
| Deed Sale | Jul 13, 2026 · Amount on File |
| Prior Sale | Jul 15, 2025 · Amount on File |
| Deed Document Number | 2026 |
| Deed Book / Page | 6933 / 249 |
| Prior Transfer Date | Oct 8, 2024 |
| Prior Transfer Doc | 0066550176 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jul 13, 2026 |
| Property Address | 490 W MOUNT HARMONY RD, OWINGS, MD 20736-8909 |
| Document Number | 6933000249 |
| Book / Page | 6933 / 249 |
| Instrument Date | Jun 29, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $681,750.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 490 W MOUNT HARMONY RD, OWINGS, MD 20736-8909 |
| Document Number | 6933000259, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 6933/259 |
| Name | GUARANTEED RATE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 490 W Mount Harmony Rd was $4,807.
Source: Calvert County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,807.00 | $424,900 Land $150,500 Building $274,400 | $424,900 Land $150,500 Building $274,400 |
| 2023 | $3,961.00 | $381,300 | $424,900 Land $150,500 Building $274,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 490 W Mount Harmony Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2002–2003) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2003 · river or lake flooding |
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 risk around 490 W Mount Harmony Rd is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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