St. Mary's County property record for 16854 Bay Dr, Dameron, MD 20628
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 832 sqft · built 1948 |
| Lot Size | 0.641 acres (27,928 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,173 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-005812 |
| Primary APN | 01-005812 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 832 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 27,928 sqft (0.641 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 360 sqft |
| Deck Area | 504 sqft |
| Heating System | Space Heater |
|---|---|
| Sewer | Connected |
| Account Number | 005812 |
|---|---|
| Street Address | 16854 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 18 BLOCK A SECTION 1 ST JEROMES SHORES |
| Legal Subdivision | SCOTLAND BEACH |
| Legal Block | A |
| Legal Lot Number | 18 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 876200 |
16854 Bay Dr is owned and occupied by two individuals.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16854 BAY DR, DAMERON, MD 20628-3411 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 16854 Bay Dr was $4,173 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 | $478,900 Land $379,900 Building $99,000 | $478,900 Land $379,900 Building $99,000 | |
| 2025 | $4,173.00 Homeowner's exemption | ||
| 2023 | $3,812.00 Homeowner's exemption | $354,300 Land $279,900 Building $74,400 | $354,300 Land $279,900 Building $74,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16854 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 16854 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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