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Single Family ResidenceResidential
$443,658$267 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $148,000 on May 1, 1991

2445 5TH ST

OWINGS, MD 20736
3
Baths
1,664 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.75 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$444K
$411K low$476K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$148,000 · May 1, 1991

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,836 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$352,033 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$334,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$386,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.52
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCALVERT
Lot (acres)The size of the land the home sits on, from county records.0.74
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 512 ft²Porch · 192 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Windy Hill Middle SchoolA-
Middle · Grades 6–8 · 0.7 mi
E
Windy Hill Elementary SchoolA-
Elementary · Grades PK–5 · 0.7 mi
H
Northern High SchoolB+
High · Grades 9–12 · 5.3 mi

District: Calvert County Public Schools

Neighborhood · ZIP 20736These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.91
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.11,729
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.448 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$151,758
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$164,720
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2445 5th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 83% of homes in Owings 20736
  • Smaller than 72% of homes in Owings 20736
  • Has a smaller lot than 88% of homes in Owings 20736

What homes are worth in Owings 20736

Each bar is how many homes fall in that price range. The marker is this home.

This home
$303K$1.1M

This home is worth more than 17% of homes in Owings 20736.

How it measures up in Owings 20736

The dot is this home. The mark in the middle is the typical home in Owings 20736.

Estimated value$443,658
CheaperTypical $609,279Pricier

Pricier than 17% of homes nearby

Price per ft²$267
CheaperTypical $276Pricier

Pricier than 42% of homes nearby

Living area1,664 ft²
SmallerTypical 2,213 ft²Bigger

Bigger than 28% of homes nearby

Lot size0.75 ac
SmallerTypical 1.26 acBigger

Bigger than 12% of homes nearby

Year built1990
OlderTypical 1988Newer

Newer than 55% of homes nearby

How 2445 5th St ranks against every home in each area.
MeasureThis homeOwings 20736Calvert County
Estimated valuepricier than$443,65817% of homes43% of homes
Price per ft²pricier than$26742% of homes43% of homes
Living areabigger than1,664 ft²28% of homes46% of homes
Lot sizebigger than0.75 ac12% of homes50% of homes
Year builtnewer than199055% of homes50% of homes

About 2445 5th St

How much is 2445 5th St, Owings, MD worth?

The TopHap Estimate for 2445 5th St, Owings, MD is $443,658 as of Oct 21, 2026. The likely range is $410,970 to $476,346. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2445 5th St, Owings, MD last sell?

2445 5th St, Owings, MD last sold on May 1, 1991 for $148,000, according to the county's recorded deed.

How big is 2445 5th St, Owings, MD?

2445 5th St, Owings, MD has 3 bathrooms, 1,664 square feet of living space and a 0.74-acre lot.

When was 2445 5th St, Owings, MD built?

2445 5th St, Owings, MD was built in 1990, making it 36 years old. The building has 2 stories.

What schools serve 2445 5th St, Owings, MD?

2445 5th St, Owings, MD is assigned to Windy Hill Middle School (middle), rated A-; Windy Hill Elementary School (elementary), rated A-; Northern High School (high), rated B+. All sit in Calvert County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2445 5th St, Owings, MD compare to other homes in Owings 20736?

Among the 3,144 homes in Owings 20736, it is worth more than 17% of them ($443,658 against a typical $609,279), its price per square foot is higher than 42% of them ($267 against a typical $276), it is bigger than 28% of them (1,664 ft² against a typical 2,213 ft²), its lot is bigger than 12% of them (0.75 ac against a typical 1.26 ac) and it is newer than 55% of them (1990 against a typical 1988). Measured against all of Calvert County, it is worth more than 43% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2445 5th St, Owings, MD?

The 2025 property tax bill for 2445 5th St, Owings, MD was $3,836. The county assessed it at $352,033.

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Assigned schools

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