Calvert County property record for 8975 Lightning Ln, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 640 sqft · built 1900 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $540,000 (Aug 2019) |
| Tax Bill | $104 (2025) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-172465 |
| Primary APN | 03-172465 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 640 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 21,344 sqft (0.49 acres) |
| Heating System | Space Heater |
|---|---|
| Sewer | Connected |
| Account Number | 172465 |
|---|---|
| Street Address | 8975 LIGHTNING LN |
| City | OWINGS |
| State | MD |
| Zip | 20736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | OPEN SPACE H PLAT 7 CROSS POINT AT DOWELL |
| Legal Subdivision | PLAT SEVEN CROSS POINT AT DOWELL |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 860200 |
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 |
| Owner Type | Individual |
| 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 | Nov 18, 2011 |
| Prior Transfer Doc | 0038210001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Aug 27, 2019 |
| Property Address | 8975 LIGHTNING LN, OWINGS, MD 20736 |
| 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 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8965 LIGHTNING LN # 8975, 8975, OWINGS, MD 20736-3207 |
| Document Number | 0005422361 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 5422/361 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Number | 0054220361 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 5422/361 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $9,833 (+2.43%) | $10,300 (+7.29%) Land $3,400 Building $6,900 | |
| 2025 | $104.00 (+16.85%) | $9,600 (+11.63%) Land $3,400 Building $6,200 | $9,600 (-) Land $3,400 Building $6,200 |
| 2023 | $89.00 | $8,600 | $9,600 Land $3,400 Building $6,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 |
| 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.
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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