Calvert County property record for 56 Cross Point Dr, Owings, MD 20736 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,526 sqft · built 2000 |
| Lot Size | 0.497 acres (21,666 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $705,000 (Jun 2026) |
| Tax Bill | $6,013 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-154467 |
| Primary APN | 03-154467 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Building Area | 2,526 sqft Total Area |
| Basement Area | 916 sqft Basement |
| Finished Basement | 916 sqft Finished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 21,666 sqft (0.497 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Mixed |
| Garage Area | 440 sqft Garage |
| Porch | Slab |
| Porch Area | 188 sqft Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 154467 |
|---|---|
| Street Address | 56 CROSS POINT DR |
| City | OWINGS |
| State | MD |
| Zip | 20736-3323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 16R PLAT 2 CROSS POINT |
| Legal Subdivision | CROSS POINT 2 |
| Legal Lot Number | 16R |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 860200 |
Source: Calvert County records · APN 03-154467
Assessment roll updated July 29, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 56 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 02, 2026 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| Sep 01, 2020 | Deed of Trust, Mortgage · VA Mortgage TOWNEBANK MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 02, 2026 · Amount on Record |
| Deed Sale | Jun 02, 2026 · Amount on Record |
| Prior Sale | Jun 18, 2004 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 6911 / 422 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 02, 2026 |
| Property Address | 56 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Document Number | 6911000422 |
| Book / Page | 6911 / 422 |
| Instrument Date | Apr 17, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | SABE TITLE, SAGE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $712,050.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 56 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Investor | Possibly a Property Investor |
| Document Number | 6911000429, |
|---|---|
| Date | Jun 02, 2026 |
| Book Page | 6911/429 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 56 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | TITLEMAX LLC |
| Name | Verified Name |
|---|---|
| Address | 56 CROSS POINT DR, OWINGS, MD 20736-3323 |
| Document Number | 0056850084 |
|---|---|
| Date | Sep 01, 2020 |
| Book Page | 5685/84 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,013.00 (+18.13%) Homeowner's exemption | $542,300 (+10.68%) Land $180,700 Building $361,600 | $542,300 (-) Land $180,700 Building $361,600 |
| 2023 | $5,090.00 Homeowner's exemption | $489,967 | $542,300 Land $180,700 Building $361,600 |
Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 3,846 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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