St. Mary's County property record for 16808 Bay Dr, Dameron, MD 20628
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,800 sqft · built 1980 |
| Lot Size | 1.81 acres (79,129 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $5,360 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jun 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-020188 |
| Primary APN | 01-020188 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,800 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 79,129 sqft (1.81 acres) |
| View / Lot | Waterfront |
| Deck Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 020188 |
|---|---|
| Street Address | 16808 BAY DR |
| City | DAMERON |
| State | MD |
| Zip | 20628-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 9-10-11 BLOCK A ST JEROME SHORES |
| Legal Subdivision | SCOTLAND BEACH |
| Legal Block | A |
| Legal Lot Number | 9-11 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 876200 |
16808 Bay Dr is owner-occupied and held in a trust since May 2026.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | PO BOX 25, DAMERON, MD 20628-0025 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 26, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 26, 2026 |
| Transfer Doc | 6931000303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Jun 26, 2026 |
| Property Address | 16808 BAY DR, DAMERON, MD 20628-3411 |
| Document Number | 6931000303 |
| Book / Page | 6931 / 303 |
| Instrument Date | May 26, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Jun 26, 2026 |
| Property Address | 16808 BAY DR, DAMERON, MD 20628-3411 |
| Document Number | 6931000303 |
| Book / Page | 6931 / 303 |
| Instrument Date | May 26, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
The 2025 property tax bill for 16808 Bay Dr was $5,360 with a homeowner's exemption.
Source: St. Mary's County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $596,800 (+8.29%) Land $406,800 Building $190,000 | $596,800 (-) Land $406,800 Building $190,000 | |
| 2025 | $5,360.00 Homeowner's exemption | $551,100 | $596,800 Land $406,800 Building $190,000 |
| 2023 | $4,899.00 Homeowner's exemption | $459,700 Land $316,800 Building $142,900 | $459,700 Land $316,800 Building $142,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16808 Bay Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 14, 2025 · 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 37 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 27 (1996–2021) |
| Claims Outside the SFHA | 19 of 27 |
| Most Recent Claim | Oct 2021 · tidal / storm surge |
| Claims by Event |
|
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 risk around 16808 Bay Dr 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 65% of the US · above 71% 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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