8965 Lightning Ln, Owings, MD 20736 Property Records

Calvert County property record for 8965 Lightning Ln, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,731 sqft · built 2004
Lot Size	0.517 acres (22,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Aug 2019)
Tax Bill	$5,857 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-172449`

Property Details

APN / Parcel Number

Primary APN	`03-172449`
Alternative APNs	`3172449` `172449`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,731 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,540 sqft (0.517 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	138 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	172449
Street Address	8965 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 154 PLAT 7 CROSS POINT AT DOWELL
Legal Subdivision	PLAT SEVEN CROSS POINT AT DOWELL
Legal Lot Number	154
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8965 LIGHTNING LN, OWINGS, MD 20736-3207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2017	Deed of Trust, Mortgage · ARM CARDINAL FINANCIAL COMPANY LP
Aug 27, 2019	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2019 · Amount on Record
Deed Sale	Aug 27, 2019 · Amount on Record
Prior Sale	Sep 4, 2013 · Amount on Record
Deed Book / Page	5422 / 354
Prior Transfer Date	Apr 16, 2004
Prior Transfer Doc	0022240133
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	8965 LIGHTNING LN, OWINGS, MD 20736-3207
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050590468
Date	Sep 11, 2017
Book Page	5059/468

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 27, 2019
Property Address	8965 LIGHTNING LN, OWINGS, MD 20736-3207
Document Number	0054220354
Book / Page	5422 / 354
Map Reference	MB KPS 1 PL 106
Instrument Date	Aug 16, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BRENNAN TTL CO NATL ACCOUNTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8965 LIGHTNING LN # 8975, 8975, OWINGS, MD 20736-3207

Mortgage

Document Number	0005422361
Date	Aug 27, 2019
Instrument	5422/361

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$546,233 (+3.49%)	$583,100 (+10.48%) Land $181,100 Building $402,000
2025	$5,857.00 (+18.06%) Homeowner's exemption	$527,800 (+10.53%) Land $181,100 Building $346,700	$527,800 (-) Land $181,100 Building $346,700
2023	$4,961.00 Homeowner's exemption	$477,533	$527,800 Land $181,100 Building $346,700

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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