6325 Earl St, Owings, MD 20736 Property Records

Calvert County property record for 6325 Earl St, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,185 sqft · built 1990
Lot Size	3.88 acres (169,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$306,000 (Aug 1998)
Tax Bill	$7,286 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Dec 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-104695`

Property Details

APN / Parcel Number

Primary APN	`02-104695`
Alternative APNs	`2104695` `104695`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,185 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	169,013 sqft (3.88 acres)
Garage Type	Mixed
Garage Area	2,934 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	777 sqft
Deck Area	335 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	104695
Street Address	6325 EARL ST
City	OWINGS
State	MD
Zip	20736-4223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 15 PLAT 1 MILL SEAT
Legal Subdivision	MILLS SEAT
Legal Lot Number	15
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1017
Census Tract	860200

Owner

Source: Calvert County records, as of December 2, 2025

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 Record
Mailing Address	6325 EARL ST, OWINGS, MD 20736-4223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Deed of Trust, Mortgage · Line of Credit MUNICIPAL EMPLOYEES CU OF BALTIMORE INC
Dec 9, 2022	Deed of Trust, Mortgage · Line of Credit MUNICIPAL EMPLOYEES CU OF BALTIMORE INC
Mar 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 1998 · Amount on Record
Deed Sale	Aug 21, 1998 · Amount on Record
Prior Sale	Jul 12, 1990 · Amount on Record
Deed Document Number	1998990408
Deed Book / Page	1082 / 180
Last Transfer Date	Mar 1, 2021
Transfer Doc	0058750016
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	6325 EARL ST, OWINGS, MD 20736-4223
Transaction Type	Mortgage
Record Updated	Apr 2, 2024
Title Company	MARVEL TITLE AND ESCROW, MARVEL TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065460339
Date	Mar 19, 2024
Book Page	6546/339

Lender

Name	MUNICIPAL EMPLOYEES CU OF BALTIMORE INC
Type	Credit Union
Address	BALTIMORE, MD 21202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	6325 EARL ST, OWINGS, MD 20736-4223
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	MARVEL TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063800019
Date	Dec 9, 2022
Book Page	6380/19

Lender

Name	MUNICIPAL EMPLOYEES CU OF BALTIMORE INC
Type	Credit Union
Address	BALTIMORE, MD 21202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Mar 2, 2021
Property Address	6325 EARL ST, OWINGS, MD 20736-4223
Document Number	0058750016
Book / Page	5875 / 16
Map Reference	MB ABE 3 PG 69
Instrument Date	Mar 1, 2021
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6325 EARL ST, OWINGS, MD 20736-4223

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$7,286.00 (+19.29%) Homeowner's exemption	$654,667 (+11.34%)	$753,600 (+24.52%) Land $170,700 Building $582,900
2023	$6,108.00 Homeowner's exemption	$587,967	$605,200 Land $170,700 Building $434,500

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

Flood

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	5 in force
Nearby Flood Claims	2 (2009–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2018 · 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

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	0.03% 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 30 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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