Calvert County property record for 6540 Academy Dr, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 1,925 sqft · built 1986 |
| Lot Size | 2.41 acres (104,980 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (May 2015) |
| Tax Bill | $5,244 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-102463 |
| Primary APN | 02-102463 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,925 sqft Total Area |
| Basement Area | 224 sqft |
| Unfinished Basement | 224 sqft |
| Utility Area | 288 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 104,980 sqft (2.41 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 392 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 102463 |
|---|---|
| Street Address | 6540 ACADEMY DR |
| City | OWINGS |
| State | MD |
| Zip | 20736-9143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 5 SEC 2 ACADEMY HILL |
| Legal Subdivision | PLAT 3 ACADEMY HILLS |
| Legal Lot Number | 5 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 2, PRINCE FREDERICK |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 860200 |
6540 Academy Dr is owned and occupied by two individuals who bought it in May 2015.
Source: Calvert County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6540 ACADEMY DR, OWINGS, MD 20736-9143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2015 · Amount on File |
| Deed Sale | May 22, 2015 · Amount on File |
| Prior Sale | Feb 7, 2014 · Amount on File |
| Deed Book / Page | 4569 / 402 |
| Transfer Doc | 0000971719 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 6540 ACADEMY DR, OWINGS, MD 20736-9143 |
| Document Number | 0056370473 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 6540 ACADEMY DR OWINGS MD 207369143, OWINGS, MD 20736-9143 |
| Document Number | 0056370473 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 005637/000473 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 8, 2060 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 6540 Academy Dr was $5,244 with a homeowner's exemption.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $478,967 | $506,100 Land $184,100 Building $322,000 | |
| 2025 | $5,244.00 | ||
| 2023 | $4,412.00 Homeowner's exemption | $424,733 | $465,400 Land $184,100 Building $281,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6540 Academy Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.
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 risk around 6540 Academy Dr 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 66% of the US · above 70% 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G and 4G LTE (outdoors only)
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