601 Prospect Bay Dr E, Grasonville, MD 21638 Property Records

Queen Anne's County property record for 601 Prospect Bay Dr E, Grasonville, MD 21638

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,072 sqft · built 1999
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on File
Last Sale	$1,060,000 (Jun 2019)
Tax Bill	$11,193 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-022274`

Property Details

APN / Parcel Number

Primary APN	`05-022274`
Alternative APNs	`5022274` `022274`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,072 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	218,236 sqft (5.01 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	540 sqft
Deck Area	1,344 sqft
Stable	1,512 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022274
Street Address	601 PROSPECT BAY DR E
City	GRASONVILLE
State	MD
Zip	21638-1193
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-5
Legal Description	LOT 21 - 5.01 ACRES PROSPECT PLANTATION
Legal Subdivision	PROSPECT PLANTATION
Legal Block	EAST
Legal Lot Number	21
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	5, QUEENSTOWN
Census Block Group	3
Census Block	3003
Census Tract	810600

Owner

Source: Queen Anne's County records · APN 05-022274

Assessment roll updated August 12, 2025 · Last verified August 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	601 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1193
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2019	Deed, Transfer · Conventional Mortgage HOWARD BANK
Apr 11, 2018	Intrafamily Transfer, Transfer · ARM GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 17, 2019 · Amount on Record
Deed Sale	Jun 17, 2019 · Amount on Record
Prior Sale	Nov 20, 2013 · Amount on Record
Deed Book / Page	3103 / 36
Prior Transfer Date	Mar 30, 2018
Prior Transfer Doc	0028810001
Record Updated	Sep 20, 2026

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 17, 2019
Property Address	601 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1193
Document Number	0031030036
Book / Page	3103 / 036
Map Reference	MB CWC 1 FO 50
Instrument Date	May 24, 2019
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	LIBERTY T&E MD LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	601 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1193

Mortgage

Document Number	0000310343
Date	Jun 17, 2019
Instrument	3103/43

Lender

Name	HOWARD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2049

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Apr 11, 2018
Property Address	601 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1193
Document Number	0028810001
Book / Page	2881 / 001
Map Reference	MB CWC1 FO50
Instrument Date	Mar 30, 2018
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	UNITED TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 PROSPECT BAY DR E, GRASONVILLE, MD 21638-1193

Mortgage

Document Number	0000028816
Date	Apr 11, 2018
Instrument	2881/6

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 01, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

Source: Queen Anne's County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Queen Anne's County
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

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
2026		$1,308,700 (+7.71%)	$1,402,400 (-) Land $640,000 Building $762,400
2025	$11,193.00 (+5.97%) Homeowner's exemption	$1,215,000 (+8.36%)	$1,402,400 (+25.07%) Land $640,000 Building $762,400
2023	$10,562.00 Homeowner's exemption	$1,121,300 Land $505,000 Building $616,300	$1,121,300 Land $505,000 Building $616,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 25, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record median of 94 policies
Nearby Flood Policies	94 in force
Nearby Flood Claims	24 (2000–2024)
Claims Outside the SFHA	8 of 24
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 21 claims

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Fiber	2,000 / 2,000
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 26 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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