4986 Sandy Point Rd, Prince Frederick, MD 20678 Property Records

Calvert County property record for 4986 Sandy Point Rd, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,308 sqft · built 1998
Lot Size	0.426 acres (18,600 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Nov 2020)
Tax Bill	$3,294 (2023)
Deeds & Mortgages	May 2024 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-015099`

Property Details

APN / Parcel Number

Primary APN	`02-015099`
Alternative APNs	`2015099` `015099`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,308 sqft Total Area
1st Floor Area	1,308 sqft
Basement Area	1,047 sqft
Finished Basement	1,047 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Split Foyer
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	18,600 sqft (0.426 acres)
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	015099
Old Parcel Number	2015099
Street Address	4986 SANDY POINT RD
City	PRINCE FREDERICK
State	MD
Zip	20678-3751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 1 JOHN A BOWEN PROP
Legal Subdivision	BOWEN JOHN A PROP
Legal Lot Number	1
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1040
Census Tract	860703

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	4986 SANDY POINT RD, PRINCE FREDERICK, MD 20678-3751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2024	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU
Nov 9, 2020	Deed, Transfer · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2020 · Amount on Record
Deed Sale	Nov 9, 2020 · Amount on Record
Prior Sale	Jul 31, 2015 · Amount on Record
Deed Document Number	0005757163
Deed Book / Page	5757 / 163
Record Updated	Jun 7, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4986 SANDY POINT RD, PRINCE FREDERICK, MD 20678-3751
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065630473
Date	May 6, 2024
Book Page	6563/473

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20770

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 9, 2020
Property Address	4986 SANDY POINT RD, PRINCE FREDERICK, MD 20678-3751
Document Number	0057570163
Book / Page	5757 / 163
Map Reference	MB ABE 631 FO 327
Instrument Date	Oct 30, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	INTERSTATE T&E LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$837.50
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 by the Entirety
Address	4986 SANDY POINT RD, PRINCE FREDERICK, MD 20678-3751

Mortgage

Document Number	5757170
Date	Nov 9, 2020
Instrument	5757/170

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	$3,294.00	$317,100	$332,400 Land $131,800 Building $200,600

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 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force

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 64% of the US · above 73% of Maryland
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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