980 Appel Ln, Solomons, MD 20688 Property Records

Calvert County property record for 980 Appel Ln, Solomons, MD 20688

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,254 sqft · built 2003
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Oct 2026)
Tax Bill	$8,753 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-001345`

Property Details

APN / Parcel Number

Primary APN	`01-001345`
Alternative APNs	`1001345` `001345`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,254 sqft Total Area
Basement Area	1,340 sqft
Finished Basement	1,340 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
View / Lot	Waterfront
Garage Type	Basement
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	720 sqft
Porch	Slab
Porch Area	444 sqft
Boat Access	Boat Access
Boat House	2,400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	001345
Street Address	980 APPEL LN
City	SOLOMONS
State	MD
Zip	20688-4067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	1.05 AC & 16' R/W 980 APPEL LN ST JOHNS CREEK
Legal Subdivision	JOHNS CREEK
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2000
Census Tract	860901

Owner

Source: Calvert County records, as of October 20, 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	980 APPEL LN, SOLOMONS, MD 20688-4067
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 19, 2018	Deed, Transfer · ARM OLD LINE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	Oct 19, 2018 · Amount on Record
Deed Book / Page	6976 / 252
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 1, 2026
Property Address	980 APPEL LN, SOLOMONS, MD 20688-4067
Document Number	6976000252
Book / Page	6976 / 252
Instrument Date	Sep 18, 2026
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,111,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 APPEL LN, SOLOMONS, MD 20688-4067

Mortgage

Document Number	6976000259,
Date	Oct 1, 2026
Book Page	6976/259

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 19, 2018
Property Address	980 APPEL LN, SOLOMONS, MD 20688-4067
Document Number	0052700190
Book / Page	5270 / 190
Map Reference	LB ABE1052 FO122
Instrument Date	Oct 9, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND TRUST TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,200.00
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	980 APPEL LN, DOWELL, MD 20688-4067

Mortgage

Document Number	0005270195
Date	Oct 19, 2018
Instrument	5270/195

Lender

Name	OLD LINE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	9.75%

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		$855,900 (+7.49%) Land $263,400 Building $592,500	$855,900 (-) Land $263,400 Building $592,500
2025	$8,753.00 (+24.47%)	$796,233 (+17.63%)	$855,900 (+26.44%) Land $263,400 Building $592,500
2023	$7,032.00	$676,900 Land $252,800 Building $424,100	$676,900 Land $252,800 Building $424,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 48 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	48 in force
Nearby Flood Claims	5 (2021)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2021 · tidal / storm surge

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	Moderate above 46% of the US · above 86% of Maryland
Wildfire Likelihood	0.07% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOLOMONS serves 3,811 people · EPA ID MD0040027
Water Source	Groundwater
Last State Inspection	Dec 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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