85 Central Dr, Prince Frederick, MD 20678 Property Records

Calvert County property record for 85 Central Dr, Prince Frederick, MD 20678

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,600 sqft · built 1977
Lot Size	0.359 acres (15,625 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (May 2018)
Tax Bill	$4,319 (2025)
Deeds & Mortgages	Oct 2022 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-043939`

Property Details

APN / Parcel Number

Primary APN	`02-043939`
Alternative APNs	`2043939` `043939`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,600 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	15,625 sqft (0.359 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	568 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	043939
Street Address	85 CENTRAL DR
City	PRINCE FREDERICK
State	MD
Zip	20678-4005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 2 BLK C CENTRAL VILLAGE
Legal Subdivision	CENTRAL VILLAGE
Legal Block	C
Legal Lot Number	2
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1003
Census Tract	860702

Owner

Source: Calvert County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	85 CENTRAL DR, PRINCE FREDERICK, MD 20678-4005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
May 10, 2018	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2018 · Amount on Record
Deed Sale	May 10, 2018 · Amount on Record
Deed Book / Page	5186 / 1
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	85 CENTRAL DR, PRINCE FREDERICK, MD 20678-4005
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 N CENTRAL EXPY 850, DALLAS, TX 75201

Mortgage

Document Number	0063540158
Date	Oct 6, 2022
Book Page	6354/158

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Jun 1, 2048

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 10, 2018
Property Address	85 CENTRAL DR, PRINCE FREDERICK, MD 20678-4005
Document Number	0051860001
Book / Page	5186 / 001
Map Reference	MB JLB1 FO16
Instrument Date	May 4, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SOUTHERN MARYLAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 CENTRAL DR, PRINCE FREDERICK, MD 20678-4005

Mortgage

Document Number	0000051867
Date	May 10, 2018
Instrument	5186/7

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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		$418,667 (+30.87%)	$457,600 (+34.27%) Land $78,700 Building $378,900
2025	$4,319.00 (+29.97%)
2023	$3,323.00	$319,900	$340,800 Land $78,700 Building $262,100

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	4 (2009–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2022 · 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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.06% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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