Calvert County property record for 855 W Mount Harmony Rd, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,431 sqft · built 1992 |
| Lot Size | 3.01 acres (131,116 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $206,000 (Sep 1992) |
| Tax Bill | $6,445 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-143503 |
| Primary APN | 03-143503 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,431 sqft Total Area |
| Basement Area | 975 sqft |
| Finished Basement | 975 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 131,116 sqft (3.01 acres) |
| Garage Type | Mixed |
| Garage Area | 1,006 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 720 sqft |
| Deck Area | 542 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 143503 |
|---|---|
| Street Address | 855 W MOUNT HARMONY RD |
| City | OWINGS |
| State | MD |
| Zip | 20736-8918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | LT 4 CATTERTON'S REACH |
| Legal Subdivision | CATTERTONS REACH |
| Legal Lot Number | 4 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 860200 |
855 W Mount Harmony Rd is owned by two individuals who bought it in September 1992.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 855 MOUNT HARMONY RD, OWINGS, MD 20736 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 1992 · Amount on File |
| Deed Sale | Sep 22, 1992 · Amount on File |
| Deed Book / Page | 1108 / 668 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 855 W MOUNT HARMONY RD, OWINGS, MD 20736-8918 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2024 |
| Title Company | COUNSEL TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 855 W MOUNT HARMONY RD, OWINGS, MD 20736-8918 |
| Document Number | 0065370423 |
|---|---|
| Date | Feb 23, 2024 |
| Book Page | 6537/423 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | CLINTON, MD 20735 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 855 W Mount Harmony Rd was $6,445.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $588,167 | $611,100 Land $176,000 Building $435,100 | |
| 2025 | $6,445.00 | ||
| 2023 | $5,142.00 | $494,900 | $576,700 Land $176,000 Building $400,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 855 W Mount Harmony Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.
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 | 6 in force |
| Nearby Flood Claims | 2 (2002–2003) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2003 · river or lake flooding |
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 risk around 855 W Mount Harmony Rd is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 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.
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