9320 Baker St, Owings, MD 20736 Property Records

Calvert County property record for 9320 Baker St, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,316 sqft · built 1992
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Nov 2020)
Tax Bill	$222 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-104407`

Property Details

APN / Parcel Number

Primary APN	`02-104407`
Alternative APNs	`2104407` `104407`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,316 sqft Total Area
Basement Area	1,459 sqft
Finished Basement	1,459 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	100,188 sqft (2.3 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	112 sqft
Deck Area	328 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	104407
Street Address	9320 BAKER ST
City	OWINGS
State	MD
Zip	20736-3706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 11R PLAT 3 WARDS MEADOW
Legal Subdivision	PLAT 3 WARDS MEADOW
Legal Lot Number	11R
Jurisdiction	CALVERT MD
Township / Civil Division	2, PRINCE FREDERICK
Census Block Group	1
Census Block	1000
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	9320 BAKER ST, OWINGS, MD 20736-3706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 13, 2019	Deed of Trust, Mortgage · Line of Credit CEDAR POINT FCU
Nov 20, 2020	Deed, Transfer · VA Mortgage WESTCOAST MORTGAGE GROUP & REALTY C

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Jul 22, 2011 · Amount on Record
Deed Book / Page	5770 / 700
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	9320 BAKER ST, OWINGS, MD 20736-3706
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9320 BAKER ST, OWINGS, MD 20736-3706

Mortgage

Document Number	0065270407
Date	Jan 25, 2024
Book Page	6527/407

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Dec 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	9320 BAKER ST, OWINGS, MD 20736-3706
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054130172
Date	Aug 13, 2019
Book Page	5413/172

Lender

Name	CEDAR POINT FCU
Type	Credit Union
Address	LEXINGTON PARK, MD 20653

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 12, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 20, 2020
Property Address	9320 BAKER ST, OWINGS, MD 20736-3706
Document Number	0057700700
Book / Page	5770 / 700
Map Reference	MB ABE 587 PL 623
Instrument Date	Nov 10, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	TITLE NATION LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
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	9320 BAKER ST, OWINGS, MD 20736-3706

Mortgage

Document Number	0005770708
Date	Nov 20, 2020
Instrument	5770/708

Lender

Name	WESTCOAST MORTGAGE GROUP & REALTY C
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$539,200 (+22.23%)	$588,000 (+14.22%) Land $183,000 Building $405,000
2025	$222.00 (-95.16%)
2023	$4,583.00	$441,133	$514,800 Land $183,000 Building $331,800

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	5 in force
Nearby Flood Claims	2 (2009–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2018 · rainfall accumulation

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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