600 Ray Rd, Sunderland, MD 20689 Property Records

Calvert County property record for 600 Ray Rd, Sunderland, MD 20689

Property Summary

Property Type	Rural Home
Details	3 ba · 4,148 sqft · built 2022
Lot Size	9.72 acres (423,403 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Nov 2021)
Tax Bill	$6,905 (2023)
Deeds & Mortgages	Apr 2022 Construction Loan May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-015815`

Property Details

APN / Parcel Number

Primary APN	`03-015815`
Alternative APNs	`3015815` `015815`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	4,148 sqft Total Area
Gross Area	1,100 sqft
1st Floor Area	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Architectural Style	Conventional
Exterior Material	Stone
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	423,403 sqft (9.72 acres)
Garage Type	Built-in
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	210 sqft
Shed	1 Shed
Shed Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	015815
Old Parcel Number	3015815
Street Address	600 RAY RD
City	SUNDERLAND
State	MD
Zip	20689-9524
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RUR
Legal Description	9.72 AC 600 RAY RD SUNDERLAND
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2002
Census Tract	860300

Owner

600 Ray Rd, a rural home, is owned and occupied by an individual who bought it in November 2021.

Source: Calvert County records, as of September 18, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	600 RAY RD, SUNDERLAND, MD 20689-9524
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Deed of Trust, Mortgage · Construction Mortgage TRUIST BANK
May 8, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 18, 2021	Deed, Transfer · Stand-Alone First Mortgage COLONIAL FARM CREDIT ACA
Jun 2, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2021 · Amount on File
Deed Sale	Nov 18, 2021 · Amount on File
Deed Document Number	0000614834
Deed Book / Page	6148 / 34
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	600 RAY RD, SUNDERLAND, MD 20689-9524
Transaction Type	Mortgage
Record Updated	Sep 19, 2023
Title Company	TITLE SMART INC, TITLESMART INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062690022
Date	Apr 26, 2022
Book Page	6269/22

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2053

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	600 RAY RD, SUNDERLAND, MD 20689-9524
Transaction Type	Mortgage
Record Updated	Sep 19, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 RAY RD, SUNDERLAND, MD 20689-9524

Mortgage

Document Number	0064300358
Date	May 8, 2023
Book Page	6430/358

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 7, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 18, 2021
Property Address	600 RAY RD, SUNDERLAND, MD 20689-9524
Document Number	0061480034
Book / Page	6148 / 34
Instrument Date	Oct 28, 2021
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
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	1112 QUAKER DR, HUNTINGTOWN, MD 20639-2352

Mortgage

Document Number	0000614838
Date	Nov 18, 2021
Instrument	6148/38

Lender

Name	COLONIAL FARM CREDIT ACA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 2, 2021
Property Address	600 RAY RD, SUNDERLAND, MD 20689-9524
Document Number	0059790348
Book / Page	5979 / 348
Map Reference	LB ABE 314 FO 799
Instrument Date	May 12, 2021
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

Amount	Amount on Record
Tax	$65.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	610 RAY RD, SUNDERLAND, MD 20689-9524

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	$6,905.00	$664,633	$710,200 Land $143,300 Building $566,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 600 Ray Rd in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 600 Ray Rd is low, with a 0.04% 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	0.04% 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 23 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

May also be available: AT&T, T-Mobile.

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