6540 18th St, Chesapeake Beach, MD 20732 Property Records

Calvert County property record for 6540 18th St, Chesapeake Beach, MD 20732

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,196 sqft · built 1998
Lot Size	0.367 acres (16,000 sqft)
Owner	2 Individual Names on File
Last Sale	$297,500 (Oct 2014)
Tax Bill	$4,050 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-166643`

Property Details

APN / Parcel Number

Primary APN	`03-166643`
Alternative APNs	`3166643` `166643`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,196 sqft Total Area
Basement Area	1,017 sqft
Finished Basement	1,017 sqft
Utility Area	120 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,000 sqft (0.367 acres)
Porch	Slab
Porch Area	128 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	166643
Street Address	6540 18TH ST
City	CHESAPEAKE BEACH
State	MD
Zip	20732-3887
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 76R BLK 8 SUMMER CITY
Legal Subdivision	SUMMER CITY
Legal Block	8
Legal Lot Number	76R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1014
Census Tract	860402

Owner

6540 18th St is owned and occupied by two individuals who acquired it in September 2020.

Source: Calvert County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6540 18TH ST, CHESAPEAKE BEACH, MD 20732-3887
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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 2, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST HOME BANK
Nov 2, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2014 · Amount on File
Deed Sale	Oct 6, 2014 · Amount on File
Prior Sale	Jun 26, 2012 · Amount on File
Deed Book / Page	4450 / 123
Last Transfer Date	Sep 16, 2020
Transfer Doc	0057060414
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	6540 18TH ST, CHESAPEAKE BEACH, MD 20732-3887
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SYNRGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6540 18TH ST, CHESAPEAKE BEACH, MD 20732-3887

Mortgage

Document Number	0056870025
Date	Sep 2, 2020
Book Page	5687/25

Lender

Name	FIRST HOME BANK
Type	Bank
Address	SEMINOLE, FL 33772

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2050

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	6540 18TH ST, CHESAPEAKE BEACH, MD 20732-3887
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061300494
Date	Nov 2, 2021
Book Page	6130/494

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Sep 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 24, 2020
Property Address	6540 18TH ST, CHESAPEAKE BEACH, MD 20732-3887
Document Number	0057060414
Book / Page	005706 / 000414
Instrument Date	Sep 16, 2020
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6540 18TH ST CHESAPEAKE BEACH MD 207323887, CHESAPEAKE BEACH, MD 20732-3887

Tax Assessment & Valuation

The 2025 property tax bill for 6540 18th St was $4,050.

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		$363,333 (+2.41%)	$380,400 (+7.22%) Land $83,000 Building $297,400
2025	$4,050.00	$354,800 Land $83,000 Building $271,800	$354,800 Land $83,000 Building $271,800
2023	$3,277.00	$315,467	$354,800 Land $83,000 Building $271,800

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

Flood

FEMA maps place 6540 18th St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1981.

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
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	9 (1981–2022)
Claims Outside the SFHA	3 of 9
Most Recent Claim	May 2022 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 4 claims

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 6540 18th St is low, with a 0.03% 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	0.03% 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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