14554 E Way, Scotland, MD 20687 Property Records

St. Mary's County property record for 14554 E Way, Scotland, MD 20687

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,108 sqft · built 1969
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on File
Last Sale	$466,000 (Sep 2025)
Tax Bill	$4,332 (2025)
Deeds & Mortgages	Jul 2021 Reverse Mortgage Sep 2025 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`01-011995`

Property Details

APN / Parcel Number

Primary APN	`01-011995`
Alternative APNs	`1011995` `011995`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,108 sqft Total Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Block
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,000 sqft (0.413 acres)
View / Lot	Waterfront
Porch	Slab
Porch Area	660 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	011995
Street Address	14554 E WAY
City	SCOTLAND
State	MD
Zip	20687-3130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOTS 75 & 76 SUBDIVISION #3 SCOTLAND BEACH
Legal Subdivision	SCOTLAND BEACH
Legal Lot Number	75,76
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	4
Census Block	4060
Census Tract	876200

Owner

14554 E Way is owned and occupied by two individuals who bought it in September 2025.

Source: St. Mary's County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14554 E WAY, SCOTLAND, MD 20687-3130
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
Jul 26, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Sep 9, 2025	Deed, Transfer · VA Mortgage NAVY FCU
May 24, 2018	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Oct 18, 2022	Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP
Aug 26, 2020	Grant Deed, Transfer HOMESALE SETTLEMENT SERVICES, HOMESALE SETTLEMENT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2025 · Amount on File
Deed Sale	Sep 9, 2025 · Amount on File
Prior Sale	Oct 18, 2022 · Amount on File
Deed Document Number	2025
Deed Book / Page	6759 / 393
Prior Transfer Date	Jul 18, 2008
Prior Transfer Doc	0031980222
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	14554 E WAY, SCOTLAND, MD 20687-3130
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14554 E WAY, SCOTLAND, MD 20687-3130

Mortgage

Document Number	0058580070
Date	Jul 26, 2021
Book Page	5858/70

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1020 Months
Due	Jul 14, 2106

Interest

Rate Type	Adjustable Rate
Rate	2.39%
Change Frequency	Annually
Index	1-Year LIBOR

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Sep 9, 2025
Property Address	14554 E WAY, SCOTLAND, MD 20687-3130
Document Number	0067590393
Book / Page	6759 / 393
Map Reference	LB JMM 8 FO 140
Instrument Date	Aug 15, 2025
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	UNKNOWN, CERTIFIED TITLE CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,165.00
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	14554 E WAY, SCOTLAND, MD 20687-3130

Mortgage

Document Number	0006759401
Date	Sep 9, 2025
Instrument	6759/401

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	14554 E WAY, SCOTLAND, MD 20687-3130
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048750207
Date	May 24, 2018
Book Page	4875/207

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 18, 2022
Property Address	14554 E WAY, SCOTLAND, MD 20687-3130
Document Number	0062390333
Book / Page	6239 / 333
Map Reference	LB JMM 8 FO 140
Instrument Date	Oct 11, 2022
Transaction Type	Transfer
Record Updated	Jan 17, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,150.00
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 in Severalty
Address	4806 STOCKTON DR, JEFFERSON, MD 21755-8310

Mortgage

Document Number	0006239338
Date	Oct 18, 2022
Instrument	6239/338

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 26, 2020
Property Address	14554 E WAY, SCOTLAND, MD 20687-3130
Document Number	0054420256
Book / Page	005442 / 000256
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	HOMESALE SETTLEMENT SERVICES, HOMESALE SETTLEMENT SVCS

Transaction

Amount	Amount on Record
Tax	$299.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14554 E WAY SCOTLAND MD 206873130, SCOTLAND, MD 20687-3130

Tax Assessment & Valuation

The 2025 property tax bill for 14554 E Way was $4,332.

Source: St. Mary's County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$440,100 (+10.97%) Land $298,000 Building $142,100	$440,100 (-) Land $298,000 Building $142,100
2025	$4,332.00	$396,600	$440,100 Land $298,000 Building $142,100
2023	$3,351.00	$309,600 Land $265,500 Building $44,100	$309,600 Land $265,500 Building $44,100

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

Flood

FEMA maps place 14554 E Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 136 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	107 (1985–2022)
Claims Outside the SFHA	38 of 107
Most Recent Claim	Oct 2022 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Hurricane Isabel, Sep 2003 · 46 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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 14554 E Way is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 84% of Maryland
Wildfire Likelihood	0.06% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Starlink Satellite	280 / 30

May also be available: Breezeline.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on E Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures