8918 Harmony Ct, Owings, MD 20736 Property Records

Calvert County property record for 8918 Harmony Ct, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,690 sqft · built 1979
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on File
Last Sale	$484,200 (Feb 2021)
Tax Bill	$5,431 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-065537`

Property Details

APN / Parcel Number

Primary APN	`03-065537`
Alternative APNs	`3065537` `065537`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,690 sqft Total Area
Basement Area	813 sqft
Finished Basement	813 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	47,480 sqft (1.09 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Deck Area	360 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	065537
Street Address	8918 HARMONY CT
City	OWINGS
State	MD
Zip	20736-9770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 MT HARMONY ESTS
Legal Subdivision	MOUNT HARMONY ESTATES
Legal Lot Number	11
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2006
Census Tract	860200

Owner

8918 Harmony Ct is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	8918 HARMONY CT, OWINGS, MD 20736-9770
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2019	Deed of Trust, Mortgage · Line of Credit SUN TRUST BANK
Feb 3, 2021	Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2021 · Amount on File
Deed Sale	Feb 3, 2021 · Amount on File
Prior Sale	Oct 31, 2012 · Amount on File
Deed Book / Page	5845 / 237
Prior Transfer Date	Mar 13, 2008
Prior Transfer Doc	KPS031440478
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	8918 HARMONY CT, OWINGS, MD 20736-9770
Transaction Type	Mortgage
Record Updated	May 27, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054460345
Date	Oct 2, 2019
Book Page	5446/345

Lender

Name	SUN TRUST BANK
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 3, 2021
Property Address	8918 HARMONY CT, OWINGS, MD 20736-9770
Document Number	0058450237
Book / Page	5845 / 237
Map Reference	MB JLB 2 FO 227
Instrument Date	Jan 20, 2021
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,421.00
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 by the Entirety
Address	5905 MEADOW ROSE, ELKRIDGE, MD 21075-5963

Mortgage

Document Number	5845244
Date	Feb 3, 2021
Instrument	5845/244

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 8918 Harmony Ct was $5,431 with a homeowner's exemption.

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		$509,167 (+2.02%)	$529,300 (+6.05%) Land $170,900 Building $358,400
2025	$5,431.00 Homeowner's exemption	$499,100 Land $170,900 Building $328,200	$499,100 Land $170,900 Building $328,200
2023	$4,145.00 Homeowner's exemption	$408,167	$499,100 Land $170,900 Building $328,200

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

Flood

FEMA maps place 8918 Harmony Ct 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

Wildfire risk around 8918 Harmony Ct 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 67% of the US · above 68% 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 62 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

Cell Coverage

5G (outdoors only) and 4G LTE

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