Calvert County property record for 655 Sycamore Ln, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,902 sqft · built 1985 |
| Lot Size | 5.8 acres (252,648 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $494,500 (Aug 2019) |
| Tax Bill | $6,851 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-109445 |
| Primary APN | 03-109445 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,902 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 252,648 sqft (5.8 acres) |
| Garage Type | Attached |
| Garage Area | 1,296 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 576 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 103 sqft |
| Deck Area | 502 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 109445 |
|---|---|
| Street Address | 655 SYCAMORE LN |
| City | OWINGS |
| State | MD |
| Zip | 20736-9340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 23 SYCAMORE RIDGE |
| Legal Subdivision | SYCAMORE RIDGE SUBDIVISION |
| Legal Lot Number | 23 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 860300 |
655 Sycamore Ln is owned and occupied by two individuals who bought it in August 2019.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 655 SYCAMORE LN, OWINGS, MD 20736-9340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 7, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 22, 2020 | Deed of Trust, Mortgage · VA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Nov 18, 2021 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Aug 22, 2019 | Grant Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2019 · Amount on File |
| Deed Sale | Aug 22, 2019 · Amount on File |
| Prior Sale | Sep 15, 2003 · Amount on File |
| Deed Book / Page | 5419 / 232 |
| Prior Transfer Date | Aug 26, 2013 |
| Prior Transfer Doc | 0042760041 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 655 SYCAMORE LN, OWINGS, MD 20736-9340 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 655 SYCAMORE LN, OWINGS, MD 20736-9340 |
| Document Number | 0061040252 |
|---|---|
| Date | Oct 7, 2021 |
| Book Page | 6104/252 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 655 SYCAMORE LN, OWINGS, MD 20736-9340 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | RGS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0056220001 |
|---|---|
| Date | Jun 22, 2020 |
| Book Page | 5622/1 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 655 SYCAMORE LN, OWINGS, MD 20736-9340 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0061470302 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 6147/302 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Address | HANSCOM AFB, MA 01731 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Aug 22, 2019 |
| Property Address | 655 SYCAMORE LN, OWINGS, MD 20736-9340 |
| Document Number | 0054190232 |
| Book / Page | 005419 / 000232 |
| Instrument Date | Aug 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2019 |
| Title Company | BRIDGEVIEW TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $494.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 655 SYCAMORE LN OWINGS MD 207369340, OWINGS, MD 20736-9340 |
| Document Number | 54190237 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 005419/000237 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 21, 2049 |
The 2025 property tax bill for 655 Sycamore Ln was $6,851 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 | $671,233 (+2.24%) | $700,700 (+6.73%) Land $174,000 Building $526,700 | |
| 2025 | $6,851.00 Homeowner's exemption | $656,500 Land $174,000 Building $482,500 | $656,500 Land $174,000 Building $482,500 |
| 2023 | $5,275.00 Homeowner's exemption | $526,567 | $656,500 Land $174,000 Building $482,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 655 Sycamore Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1999.
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 | 2 in force |
| Nearby Flood Claims | 4 (1999–2020) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Aug 2020 · Tropical Storm Isaias |
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 655 Sycamore Ln 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 64% of the US · above 73% 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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