9545 Covenant Ct, Owings, MD 20736 Property Records

Calvert County property record for 9545 Covenant Ct, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,870 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$222 (2025)
Deeds & Mortgages	Mar 2026 Transfer Mar 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-178439`

Property Details

APN / Parcel Number

Primary APN	`03-178439`
Alternative APNs	`3178439` `178439`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,870 sqft Total Area
Basement Area	1,696 sqft
Finished Basement	1,696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Mixed
Garage Area	795 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	147 sqft
Deck Area	94 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	178439
Street Address	9545 COVENANT CT
City	OWINGS
State	MD
Zip	20736-3333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 18 PLAT 2 COVENANT CREEK
Legal Subdivision	COVENANT CREEK
Legal Lot Number	18
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2001
Census Tract	860200

Owner

9545 Covenant Ct is owned and occupied by an individual who acquired it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	9545 COVENANT CT, OWINGS, MD 20736-3333
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
Mar 27, 2026	Intrafamily Transfer, Transfer NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC
Mar 27, 2026	Intrafamily Transfer, Transfer NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC
May 23, 2023	Intrafamily Transfer, Transfer
Jul 16, 2021	Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026
Deed Sale	Mar 27, 2026
Prior Sale	Jul 16, 2021 · Amount on File
Deed Book / Page	6876 / 136
Prior Transfer Date	Mar 16, 2026
Prior Transfer Doc	6876000141
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Mar 27, 2026
Property Address	9545 COVENANT CT, OWINGS, MD 20736-3333
Document Number	0068760141
Book / Page	6876 / 141
Map Reference	MB KPS 1 PL 311
Instrument Date	Mar 16, 2026
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	9545 COVENANT CT, OWINGS, MD 20736-3333

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Mar 27, 2026
Property Address	9545 COVENANT CT, OWINGS, MD 20736-3333
Document Number	0068760136
Book / Page	6876 / 136
Map Reference	MB KPS 1 PL 311
Instrument Date	Mar 16, 2026
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	9545 COVENANT CT, OWINGS, MD 20736-3333

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	May 23, 2023
Property Address	9545 COVENANT CT, OWINGS, MD 20736-3333
Document Number	0064370002
Book / Page	6437 / 2
Map Reference	MB KPS 1 PL 311
Instrument Date	May 12, 2023
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 16, 2021
Property Address	9545 COVENANT CT, OWINGS, MD 20736-3333
Document Number	0060240353
Book / Page	6024 / 353
Map Reference	MB KPS I PG 311
Instrument Date	Jul 6, 2021
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,182.50
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	9545 COVENANT CT, OWINGS, MD 20736-3333

Mortgage

Document Number	6024361
Date	Jul 16, 2021
Instrument	6024/361

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 9545 Covenant Ct was $222 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		$846,800 (+2.41%)	$886,600 (+7.22%) Land $220,000 Building $666,600
2025	$222.00 Homeowner's exemption	$826,900 Land $220,000 Building $606,900	$826,900 Land $220,000 Building $606,900
2023	Disabled Person's exemption Veteran's exemption	$738,967	$826,900 Land $220,000 Building $606,900

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

Flood

FEMA maps place 9545 Covenant 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 9545 Covenant 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 45 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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