St. Mary's County property record for 16840 Bay Dr, Dameron, MD 20628
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,252 sqft · built 1972 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,624 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-020862 |
| Primary APN | 01-020862 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,252 sqft Total Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,522 sqft (0.54 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 480 sqft |
| Deck Area | 176 sqft |
| Gazebo | 80 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 020862 |
|---|---|
| Street Address | 16840 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 16 BLOCK A PLAT 2/72 & 3/42 SAINT JEROME'S MANOR |
| Legal Subdivision | SCOTLAND BEACH |
| Legal Block | A |
| Legal Lot Number | 16 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 876200 |
16840 Bay Dr is owned and occupied by two individuals who acquired it in May 2002.
Source: St. Mary's County records, as of September 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 18, DAMERON, MD 20628-0018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2002 |
| Deed Sale | May 21, 2002 |
| Prior Sale | Apr 11, 2002 · Amount on File |
| Deed Document Number | 20023102 |
| Deed Book / Page | 1796 / 119A |
| Transfer Doc | 0000003102 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 16840 Bay Dr was $4,624 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 | $585,600 Land $374,400 Building $211,200 | $585,600 Land $374,400 Building $211,200 | |
| 2025 | $4,624.00 Homeowner's exemption | ||
| 2023 | $4,218.00 Homeowner's exemption | $432,500 Land $274,400 Building $158,100 | $432,500 Land $274,400 Building $158,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16840 Bay Dr in Zone X, an area of minimal flood risk, within 500 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 VE, within 500 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 16840 Bay Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 76% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
4G LTE (outdoors only), no 5G reported
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