Calvert County property record for 8096 Windward Key Dr, Chesapeake Beach, MD 20732
| Property Type | Townhouse |
|---|---|
| Details | 4.5 ba · 2,186 sqft · built 1988 |
| Lot Size | 0.038 acres (1,659 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Aug 2013) |
| Tax Bill | $5,622 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-125521 |
| Primary APN | 03-125521 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,186 sqft Total Area |
| Basement Area | 380 sqft |
| Finished Basement | 380 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,659 sqft (0.038 acres) |
| View / Lot | Waterfront |
| Garage Type | Basement |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 56 sqft |
| Deck Area | 193 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 125521 |
|---|---|
| Street Address | 8096 WINDWARD KEY DR |
| City | CHESAPEAKE BEACH |
| State | MD |
| Zip | 20732-3120 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | C |
| Legal Description | LT 2 PLAT 1 WINDWARD KEY |
| Legal Subdivision | WINDWARD KEY |
| Legal Lot Number | 2 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 860403 |
Source: Calvert County records, as of July 28, 2026
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 | 8096 WINDWARD KEY DR, CHESAPEAKE BEACH, MD 20732-3120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 22, 2018 | Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2013 · Amount on Record |
| Deed Sale | Aug 13, 2013 · Amount on Record |
| Prior Sale | Nov 2, 1999 · Amount on Record |
| Deed Book / Page | 4256 / 359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 8096 WINDWARD KEY DR, CHESAPEAKE BEACH, MD 20732-3120 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 8096 WINDWARD KEY DR, CHESAPEAKE BEACH, MD 20732-3120 |
| Document Number | 0060850228 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 6085/228 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 22, 2018 |
| Property Address | 8096 WINDWARD KEY DR, CHESAPEAKE BEACH, MD 20732-3120 |
| Document Number | 0052090304 |
| Book / Page | 005209 / 000304 |
| Instrument Date | Jun 15, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2018 |
| Title Company | BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $449.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8096 WINDWARD KEY DR CHESAPEAKE BEACH MD 207323120, CHESAPEAKE BEACH, MD 20732-3120 |
| Document Number | 52090311 |
|---|---|
| Date | Jun 22, 2018 |
| Book Page | 005209/000311 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2048 |
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Municipality | Chesapeake Beach Town |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $555,367 (+17.18%) | $616,900 (+17.59%) Land $175,000 Building $441,900 | |
| 2025 | $5,622.00 (+18.56%) | ||
| 2023 | $4,742.00 | $473,933 | $524,600 Land $175,000 Building $349,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 62 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 62 in force |
| Nearby Flood Claims | 2 (2003) |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
| Claims by Event |
|
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.
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CHESAPEAKE BEACH serves 5,000 people · EPA ID MD0040003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures