Calvert County property record for 7040 Decoy Dr, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 5,551 sqft · built 2004 |
| Lot Size | 4.21 acres (183,388 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,615,000 (Feb 2016) |
| Tax Bill | $18,434 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-107880 |
| Primary APN | 02-107880 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 5,551 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 183,388 sqft (4.21 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 2,315 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Area | 700 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 756 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 107880 |
|---|---|
| Street Address | 7040 DECOY DR |
| City | OWINGS |
| State | MD |
| Zip | 20736-3811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | LT 16R SEC 3 PLAT 3R FRIDAY'S CREEK ESTS |
| Legal Subdivision | FRIDAYS CREEK ESTATES |
| Legal Lot Number | 16R |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 2, PRINCE FREDERICK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 860200 |
7040 Decoy Dr is owner-occupied and held in a trust since February 2016.
Source: Calvert County records, as of December 2, 2025
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 Trust Names on File |
|---|---|
| Mailing Address | 7040 DECOY DR, OWINGS, MD 20736-3811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2016 · Amount on File |
| Deed Sale | Feb 4, 2016 · Amount on File |
| Prior Sale | Jun 9, 2000 · Amount on File |
| Deed Book / Page | 4709 / 328 |
| Prior Transfer Date | Jan 23, 2014 |
| Prior Transfer Doc | 0043400458 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 7040 DECOY DR, OWINGS, MD 20736-3811 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055000657 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 5500/657 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | CLINTON, MD 20735 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 297 Months |
| Due | Sep 28, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 7040 Decoy Dr was $18,434 with a homeowner's exemption.
Source: Calvert County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,434.00 Homeowner's exemption | $1,687,900 Land $438,500 Building $1,249,400 | $1,687,900 Land $438,500 Building $1,249,400 |
| 2023 | $17,708.00 Homeowner's exemption | $1,704,367 | $1,912,500 Land $476,000 Building $1,436,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7040 Decoy Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 7040 Decoy 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 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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