St. Mary's County property record for 16864 Bay Dr, Dameron, MD 20628 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,579 sqft · built 2002 |
| Lot Size | 1.29 acres (56,192 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $11,339 (2025) |
| Deeds & Mortgages | Jan 2024 Transfer Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-020145 |
| Primary APN | 01-020145 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,579 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 56,192 sqft (1.29 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 2,118 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
| Porch Area | 1,078 sqft |
| Deck Area | 424 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 020145 |
|---|---|
| Street Address | 16864 BAY DR |
| City | DAMERON |
| State | MD |
| Zip | 20628-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 BLOCK A ST JEROMES SHORES |
| Legal Subdivision | ST JEROME SHORES |
| Legal Block | A |
| Legal Lot Number | 19 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 876200 |
Source: St. Mary's County records · APN 01-020145
Assessment roll updated August 12, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 16864 BAY DR, DAMERON, MD 20628-3411 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Jan 10, 2024 | Intrafamily Transfer, Transfer |
| Nov 09, 2022 | Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Jan 10, 2024 |
| Property Address | 16864 BAY DR, DAMERON, MD 20628-3411 |
| Document Number | 0064520132 |
| Book / Page | 6452 / 132 |
| Map Reference | LB CBG 2 FO 72 |
| Instrument Date | Nov 30, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1238 4TH ST NW, WASHINGTON, DC 20001-4633 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Nov 09, 2022 |
| Property Address | 16864 BAY DR, DAMERON, MD 20628-3411 |
| Document Number | 0062550367 |
| Book / Page | 6255 / 367 |
| Map Reference | LB CBG 2 FO 72 |
| Instrument Date | Sep 22, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2023 |
| Title Company | ALLIED TITLE AND ESCROW LLC, ALLIED TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 16864 BAY DR, DAMERON, MD 20628-3411 |
| Document Number | 0006255373 |
|---|---|
| Date | Nov 09, 2022 |
| Instrument | 6255/373 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 01, 2052 |
Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,220,000 (+62.6%) Land $404,300 Building $815,700 | $1,220,000 (+62.6%) Land $404,300 Building $815,700 | |
| 2025 | $11,339.00 (+43.64%) | ||
| 2023 | $7,894.00 | $750,300 Land $298,300 Building $452,000 | $750,300 Land $298,300 Building $452,000 |
Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), updated May 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240378762002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 37 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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