7120 Bluegrass Way, Owings, MD 20736 Property Records

Calvert County property record for 7120 Bluegrass Way, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,112 sqft · built 1997
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$655,000 (May 2026)
Tax Bill	$222 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-088673`

Property Details

APN / Parcel Number

Primary APN	`02-088673`
Alternative APNs	`2088673` `088673`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,112 sqft Total Area
Basement Area	904 sqft
Finished Basement	904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
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
Porch	Slab
Porch Area	294 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	088673
Street Address	7120 BLUEGRASS WAY
City	OWINGS
State	MD
Zip	20736-4314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 3 SEC 5 THE MEADOWS
Legal Subdivision	SECTION FIVE THE MEADOWS
Legal Lot Number	3
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1013
Census Tract	860200

Owner

7120 Bluegrass Way is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	7120 BLUEGRASS WAY, OWINGS, MD 20736-4314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 28, 2026	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Apr 28, 2020	Deed, Transfer · VA Mortgage 1ST PREFERENCE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Apr 28, 2020 · Amount on File
Deed Book / Page	6907 / 432
Prior Transfer Date	Feb 13, 2015
Prior Transfer Doc	0045710332
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 28, 2026
Property Address	7120 BLUEGRASS WAY, OWINGS, MD 20736-4314
Document Number	6907000432
Book / Page	6907 / 432
Instrument Date	May 18, 2026
Transaction Type	Transfer
Record Updated	Jun 4, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$661,550.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7120 BLUEGRASS WAY, OWINGS, MD 20736-4314

Mortgage

Document Number	6907000439,
Date	May 28, 2026
Book Page	6907/439

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 28, 2020
Property Address	7120 BLUEGRASS WAY, OWINGS, MD 20736-4314
Document Number	0055780178
Book / Page	5578 / 178
Map Reference	LB ABE 2 FO 251
Instrument Date	Mar 30, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	BRENNAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
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 in Severalty
Address	7120 BLUEGRASS WAY, OWINGS, MD 20736-4314

Mortgage

Document Number	5578186
Date	Apr 28, 2020
Instrument	5578/186

Lender

Name	1ST PREFERENCE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 7120 Bluegrass Way was $222.

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		$496,233 (+2.04%)	$516,100 (+6.13%) Land $170,000 Building $346,100
2025	$222.00	$486,300 Land $170,000 Building $316,300	$486,300 Land $170,000 Building $316,300
2023	Disabled Person's exemption Veteran's exemption	$437,833	$486,300 Land $170,000 Building $316,300

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

Flood

FEMA maps place 7120 Bluegrass Way 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

Wildfire risk around 7120 Bluegrass Way is low, with a 0.04% 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	0.04% 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 25 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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