7155 Decoy Dr, Owings, MD 20736 Property Records

Calvert County property record for 7155 Decoy Dr, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,640 sqft · built 1997
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Mar 2024)
Tax Bill	$6,309 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-107805`

Property Details

APN / Parcel Number

Primary APN	`02-107805`
Alternative APNs	`2107805` `107805`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,640 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	111,078 sqft (2.55 acres)
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	493 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	107805
Street Address	7155 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 10 SEC 3 PLAT 2 FRIDAY'S CREEK ESTS
Legal Subdivision	PLAT TWO FRIDAYS CREEK ESTATES
Legal Lot Number	10
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7155 DECOY DR, OWINGS, MD 20736-3809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP
Jan 8, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 3, 2017	Quit Claim Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2024 · Amount on Record
Deed Sale	Mar 22, 2024 · Amount on Record
Prior Sale	Apr 3, 2017 · Amount on Record
Prior Transfer Date	Mar 24, 2017
Prior Transfer Doc	0049680391
Record Updated	Jun 8, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 22, 2024
Property Address	7155 DECOY DR, OWINGS, MD 20736-3809
Document Number	0065480155
Book / Page	6548 / 155
Map Reference	LB ABE 4 FO 156
Instrument Date	Mar 21, 2024
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	NOT AVAILABLE, TITLEMAX LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,787.50
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	7155 DECOY DR, OWINGS, MD 20736-3809

Mortgage

Document Number	0006548164
Date	Mar 22, 2024
Instrument	6548/164

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	7155 DECOY DR, OWINGS, MD 20736-3809
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	GPN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055070307
Date	Jan 8, 2020
Book Page	5507/307

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 3, 2017
Property Address	7155 DECOY DR, OWINGS, MD 20736-3809
Document Number	0049680391
Book / Page	004968 / 000391
Instrument Date	Mar 24, 2017
Transaction Type	Transfer
Record Updated	Jul 21, 2017
Title Company	GPN TITLE INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7155 DECOY DR OWINGS MD 207363809, OWINGS, MD 20736-3809

Mortgage

Document Number	49680395
Date	Apr 3, 2017
Book Page	004968/000395

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2047

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	$6,309.00 Homeowner's exemption	$564,100 (+12.98%) Land $185,500 Building $378,600	$564,100 (-) Land $185,500 Building $378,600
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$499,300	$564,100 Land $185,500 Building $378,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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

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)

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