16882 Bay Dr, Dameron, MD 20628 Property Records

St. Mary's County property record for 16882 Bay Dr, Dameron, MD 20628

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,190 sqft · built 1947
Lot Size	2.43 acres (105,851 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,125,000 (Oct 2021)
Tax Bill	$6,115 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-014722`

Property Details

APN / Parcel Number

Primary APN	`01-014722`
Alternative APNs	`1014722` `014722`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,190 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	105,851 sqft (2.43 acres)
View / Lot	Waterfront
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	014722
Street Address	16882 BAY DR
City	DAMERON
State	MD
Zip	20628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 20 BLOCK A LOT 3 BLOCK G ST JEROME SHORES
Legal Subdivision	SCOTLAND BEACH
Legal Block	A
Legal Lot Number	3,20
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	2
Census Block	2004
Census Tract	876200

Owner

Source: St. Mary's County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12209 WINDSOR HALL WAY, HERNDON, VA 20170-2362
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 13, 2023	Correction Deed TITLE FORWARD
Oct 6, 2021	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 14, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jul 14, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Prior Sale	Jul 14, 2020 · Amount on Record
Deed Book / Page	5940 / 145
Prior Transfer Date	Apr 20, 2006
Prior Transfer Doc	0037990732
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	16882 BAY DR, DAMERON, MD 20628
Transaction Type	Mortgage
Record Updated	Nov 13, 2025
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0067880016
Date	Oct 28, 2025
Book Page	6788/16

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	ST MARY'S MD
Recording Date	Nov 13, 2023
Property Address	16882 BAY DR, DAMERON, MD 20628
Document Number	0064260250
Book / Page	6426 / 250
Instrument Date	Sep 21, 2023
Record Updated	Dec 4, 2023
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6306 KIRBY RD, CLINTON, MD 20735-1336

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16890 BAY DR, DAMERON, MD 20628

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 6, 2021
Property Address	16882 BAY DR, DAMERON, MD 20628
Document Number	0059400145
Book / Page	5940 / 145
Instrument Date	Sep 14, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	INTERNATIONAL TITLE SOLUTIONS, INTERNATIONAL T&E INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3815 POPE ST SE, WASHINGTON, DC 20020-2357
Investor	Possibly a Property Investor

Mortgage

Document Number	0005940154
Date	Oct 6, 2021
Instrument	5940/154

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jul 14, 2020
Property Address	16882 BAY DR, DAMERON, MD 20628
Document Number	0053960068
Book / Page	005396 / 000068
Instrument Date	Jul 1, 2020
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 750 CALIFORNIA MD 206190750, CALIFORNIA, MD 20619-0750

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jul 14, 2020
Property Address	16882 BAY DR, DAMERON, MD 20628
Document Number	0053960074
Book / Page	005396 / 000074
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16882 BAY DR DAMERON MD 20628, DAMERON, MD 20628

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of August 12, 2025

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		$613,000 (+8.25%) Land $421,400 Building $191,600	$613,000 (-) Land $421,400 Building $191,600
2025	$6,115.00 (+21.45%)	$566,300 (+19.75%)	$613,000 (+29.63%) Land $421,400 Building $191,600
2023	$5,035.00	$472,900 Land $321,400 Building $151,500	$472,900 Land $321,400 Building $151,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record 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	Hurricane Isabel, Sep 2003 · 13 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

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.

Internet Providers

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

Cell Coverage

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

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