6322 3rd St, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 6322 3rd St, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1978
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$166,500 (Sep 2026)
Tax Bill	$2,555 (2025)
Deeds & Mortgages	Sep 2026 Sale & Construction Loan Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-039986`

Property Details

APN / Parcel Number

Primary APN	`03-039986`
Alternative APNs	`3039986` `039986`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Total Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,000 sqft (0.184 acres)
Porch	Slab
Porch Area	455 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	039986
Street Address	6322 3RD ST
City	CHESAPEAKE BEACH
State	MD
Zip	20732-4112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 42-45 BLK 23 SUMMER CITY
Legal Subdivision	RANDLE CLIFFS BEACH
Legal Block	23
Legal Lot Number	42-45
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2004
Census Tract	860402

Owner

6322 3rd St is owned and occupied by an individual who bought it in September 2026.

Source: Calvert County records, as of September 30, 2026

Owner of Record	Individual Name on File
Mailing Address	1985 MATAPEAKE CT, SAINT LEONARD, MD 20685-2110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 18, 2026	Deed, Construction Loan · Construction Mortgage CREDIT UNION HOME MORTGAGE SOLUTIONS
Oct 15, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2026 · Amount on File
Deed Sale	Sep 18, 2026 · Amount on File
Deed Book / Page	6969 / 438
Record Updated	Oct 29, 2026

September 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 18, 2026
Property Address	6322 3RD ST, CHESAPEAKE BEACH, MD 20732-4112
Document Number	6969000438
Book / Page	6969 / 438
Instrument Date	Sep 17, 2026
Transaction Type	Construction Loan
Record Updated	Sep 30, 2026
Title Company	SOUTHERN MARYLAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168,165.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1985 MATAPEAKE CT, SAINT LEONARD, MD 20685-2110

Mortgage

Document Number	6969000444,
Date	Sep 18, 2026
Book Page	6969/444

Lender

Name	CREDIT UNION HOME MORTGAGE SOLUTIONS

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	9 Months
Due	Jun 17, 2027

Interest

Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	6322 3RD ST, CHESAPEAKE BEACH, MD 20732-4112
Document Number	0052770499
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6322 3RD ST CHESAPEAKE BEACH MD 207324112, CHESAPEAKE BEACH, MD 20732-4112

Mortgage

Document Number	0052770499
Date	Nov 5, 2018
Book Page	005277/000499

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6322 3rd St was $2,555 with a homeowner's exemption.

Source: Calvert County assessment roll, as of July 28, 2026

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
2026		$221,867	$233,200 Land $75,000 Building $158,200
2025	$2,555.00
2023	$2,036.00 Homeowner's exemption	$196,000	$216,200 Land $75,000 Building $141,200

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

Flood

FEMA maps place 6322 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · rainfall accumulation

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 6322 3rd St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 3rd St

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