9595 Covenant Ct, Owings, MD 20736 Property Records

Calvert County property record for 9595 Covenant Ct, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,858 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$749,900 (Aug 2018)
Tax Bill	$8,412 (2023)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-178412`

Property Details

APN / Parcel Number

Primary APN	`03-178412`
Alternative APNs	`3178412` `178412`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,858 sqft Total Area
1st Floor Area	2,912 sqft
Basement Area	1,650 sqft
Finished Basement	1,650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	48 sqft
Deck Area	408 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	178412
Old Parcel Number	3178412
Street Address	9595 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 16 PLAT 2 COVENANT CREEK
Legal Subdivision	COVENANT CREEK
Legal Lot Number	16
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2001
Census Tract	860200

Owner

9595 Covenant Ct is owned and occupied by an individual who bought it in August 2018.

Source: Calvert County records, as of September 18, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9595 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on File
Deed Sale	Aug 7, 2018 · Amount on File
Prior Sale	Nov 12, 2004 · Amount on File
Deed Document Number	0005230309
Deed Book / Page	5230 / 309
Record Updated	Jun 7, 2026

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 7, 2018
Property Address	9595 COVENANT CT, OWINGS, MD 20736-3333
Document Number	0052300309
Book / Page	5230 / 309
Map Reference	MB KPS1
Instrument Date	Aug 3, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	TITLE FORWARD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,749.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9595 COVENANT CT, OWINGS, MD 20736-3333
Investor	Possibly a Property Investor

Mortgage

Document Number	0005230315
Date	Aug 7, 2018
Instrument	5230/315

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$8,412.00 Homeowner's exemption	$809,633	$909,700 Land $220,000 Building $689,700

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

Flood

FEMA maps place 9595 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 9595 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 80% of the US · above 41% 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 (outdoors only) and 4G LTE

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