8955 Lightning Ln, Owings, MD 20736 Property Records

Calvert County property record for 8955 Lightning Ln, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,217 sqft · built 2003
Lot Size	0.609 acres (26,548 sqft)
Owner	2 Individual Names on File
Last Sale	$355,583 (Dec 2003)
Tax Bill	$6,548 (2025)
Deeds & Mortgages	May 2018 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-172422`

Property Details

APN / Parcel Number

Primary APN	`03-172422`
Alternative APNs	`3172422` `172422`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,217 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,548 sqft (0.609 acres)
Garage Type	Built-in
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces
Pool Area	684 sqft
Deck Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	172422
Street Address	8955 LIGHTNING LN
City	OWINGS
State	MD
Zip	20736-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 153R PLAT 7 CROSS POINT AT DOWELL
Legal Subdivision	CROSS POINT DOWELL 7
Legal Lot Number	153R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2003
Census Tract	860200

Owner

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

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 File
Mailing Address	8955 LIGHTNING LN, OWINGS, MD 20736-3207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2003 · Amount on File
Deed Sale	Dec 22, 2003 · Amount on File
Deed Document Number	200342167
Deed Book / Page	2075 / 576
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	8955 LIGHTNING LN, OWINGS, MD 20736-3207
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051830297
Date	May 4, 2018
Book Page	5183/297

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	8955 LIGHTNING LN, OWINGS, MD 20736-3207
Document Number	0057290437
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Nov 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8955 LIGHTNING LN OWINGS MD 207363207, OWINGS, MD 20736-3207

Mortgage

Document Number	0057290437
Date	Oct 14, 2020
Book Page	005729/000437

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 13, 2035

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	8955 LIGHTNING LN, OWINGS, MD 20736-3207
Document Number	0057290457
Instrument Date	Sep 17, 2020
Transaction Type	Mortgage
Record Updated	Nov 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8955 LIGHTNING LN WASHINGTON DC 20376, WASHINGTON, DC 20376

Mortgage

Document Number	0057290457
Date	Oct 14, 2020
Book Page	005729/000457

Lender

Name	PNC BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$604,567 (+13.54%)	$630,100 (+6.47%) Land $182,900 Building $447,200
2025	$6,548.00 (+18.37%)
2023	$5,532.00 Homeowner's exemption	$532,467	$591,800 Land $182,900 Building $408,900

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	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

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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CROSS POINT SUBDIVISION serves 434 people · EPA ID MD0040052
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 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.

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