7115 Decoy Dr, Owings, MD 20736 Property Records

Calvert County property record for 7115 Decoy Dr, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,192 sqft · built 1995
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Jan 2022)
Tax Bill	$6,509 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-107767`

Property Details

APN / Parcel Number

Primary APN	`02-107767`
Alternative APNs	`2107767` `107767`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,192 sqft Total Area
Basement Area	972 sqft
Finished Basement	972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Built-in
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	720 sqft
Porch	Slab
Porch Area	252 sqft
Deck Area	572 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	107767
Street Address	7115 DECOY DR
City	OWINGS
State	MD
Zip	20736-3809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 6 SEC 3 PLAT 2 FRIDAY'S CREEK ESTS
Legal Subdivision	FRIDAYS CK EST
Legal Lot Number	6
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1010
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	7115 DECOY DR, OWINGS, MD 20736-3809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2022 · Amount on Record
Deed Sale	Jan 27, 2022 · Amount on Record
Prior Sale	Mar 14, 1995 · Amount on Record
Deed Book / Page	6206 / 248
Prior Transfer Date	Sep 27, 2021
Prior Transfer Doc	0062060248
Record Updated	Jun 8, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 27, 2022
Property Address	7115 DECOY DR, OWINGS, MD 20736-3809
Document Number	0062060248
Book / Page	6206 / 248
Map Reference	LB ABE 4 FO 156
Instrument Date	Sep 27, 2021
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7115 DECOY DR, OWINGS, MD 20736-3809

Mortgage

Document Number	0006206256
Date	Jan 27, 2022
Instrument	6206/256

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2051

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	$6,509.00 (+30.08%) Homeowner's exemption	$582,700 (+20.98%) Land $170,000 Building $412,700	$582,700 (-) Land $170,000 Building $412,700
2023	$5,004.00	$481,633	$582,700 Land $170,000 Building $412,700

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 41 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)

Nearby Properties on Decoy Dr

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