Calvert County property record for 538 Summerset Ct, #38, Solomons, MD 20688
| Property Type | Condominium |
|---|---|
| Details | 2.5 ba · 2,408 sqft · built 2005 |
| Lot Size | 0.033 acres (1,439 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Oct 2022) |
| Tax Bill | $3,567 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Mar 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-207393 |
| Primary APN | 01-207393 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,408 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,439 sqft (0.033 acres) |
| Garage Type | Mixed |
| Garage Area | 140 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 182 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 207393 |
|---|---|
| Street Address | 538 SUMMERSET CT, 38 |
| City | SOLOMONS |
| State | MD |
| Zip | 20688-4018 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R |
| Legal Description | UNIT 38 PHASE 7 WINDWARD HARBOUR AT SOLOMONS CONDO |
| Legal Subdivision | CONDO WINDWARD HARBOUR |
| Legal Phase | 7 |
| Legal Lot Number | 38 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 860901 |
538 Summerset Ct, #38 is owned by two individuals who bought it in October 2022.
Source: Calvert County records, as of December 2, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 SUMMERSET CT, SOLOMONS, MD 20688-4018 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 11, 2022 | Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Mar 25, 2020 | Loan Modification, Mortgage · Conventional Mortgage TRUIST BK |
| Aug 20, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2022 · Amount on File |
| Deed Sale | Oct 11, 2022 · Amount on File |
| Prior Sale | Aug 2, 2005 · Amount on File |
| Prior Transfer Date | Aug 14, 2019 |
| Prior Transfer Doc | 0054170104 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Oct 11, 2022 |
| Property Address | 538 SUMMERSET CT # 38, 38, SOLOMONS, MD 20688-4018 |
| Document Number | 0063560280 |
| Book / Page | 6356 / 280 |
| Map Reference | PL KPS 2 PG 326 |
| Instrument Date | Aug 2, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Title Company | CLA TITLE AND ESCROW, CLA TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $912.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 538 SUMMERSET CT # 38, 38, DOWELL, MD 20629-3009 |
| Document Number | 0006356285 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 6356/285 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 538 SUMMERSET CT # 38, 38, SOLOMONS, MD 20688-4018 |
| Document Number | 0055760336 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 538 SUMMERSET CT DOWELL MD 206293009, DOWELL, MD 20629-3009 |
| Document Number | 0055760336 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 005576/000336 |
| Name | TRUIST BK |
|---|---|
| Address | GREENVILLE, SC 29607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 26, 2021 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Aug 20, 2019 |
| Property Address | 538 SUMMERSET CT # 38, 38, SOLOMONS, MD 20688-4018 |
| Document Number | 0054170104 |
| Book / Page | 005417 / 000104 |
| Instrument Date | Aug 14, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5603 7TH RD S ARLINGTON VA 222042607, ARLINGTON, VA 22204-2607 |
The 2025 property tax bill for 538 Summerset Ct, #38 was $3,567.
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 | $3,567.00 | $315,567 | $338,200 Land $102,000 Building $236,200 |
| 2023 | $2,808.00 | $270,300 Land $102,000 Building $168,300 | $270,300 Land $102,000 Building $168,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 Summerset Ct, #38 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 48 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 5 (2021) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Oct 2021 · tidal / storm surge |
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 538 Summerset Ct, #38 is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOLOMONS serves 3,811 people · EPA ID MD0040027 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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