16890 Bay Dr, Dameron, MD 20628 Property Records

St. Mary's County property record for 16890 Bay Dr, Dameron, MD 20628

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 5,672 sqft · built 2004
Lot Size	0.796 acres (34,659 sqft)
Owner	2 Individual Names on File
Last Sale	$2,465,000 (Nov 2023)
Tax Bill	$18,157 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale + 6 more
Flood Zone	Zone X (minimal risk)
APN	`01-024418`

Property Details

APN / Parcel Number

Primary APN	`01-024418`
Alternative APNs	`1024418` `024418`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,672 sqft Total Area
1st Floor Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stone
Roof Material	Slate
Lot Area	34,659 sqft (0.796 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	1,512 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	2,162 sqft
Gazebo	400 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	024418
Street Address	16890 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 21 BLOCK A ST JEROMES SHORES
Legal Subdivision	SCOTLAND BEACH
Legal Block	A
Legal Lot Number	21
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	2
Census Block	2004
Census Tract	876200

Owner

16890 Bay Dr is owned by two individuals who bought it in November 2023.

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	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
Sep 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 8, 2023	Deed, Transfer TITLE FORWARD
Nov 29, 2017	Deed of Trust, Mortgage · Line of Credit CEDAR POINT FCU
Oct 6, 2021	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 27, 2021	Deed, Transfer ACCOMODATION, ACCOMMODATION
May 15, 2020	Loan Modification, Mortgage CEDAR POINT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Prior Sale	Jun 8, 2023 · Amount on File
Deed Book / Page	6426 / 250
Prior Transfer Date	Sep 21, 2023
Prior Transfer Doc	0064260250
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	16890 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
Address	12209 WINDSOR HALL WAY, HERNDON, VA 20170-2362
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 on Record
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	16890 BAY DR, DAMERON, MD 20628
Document Number	0064260250
Book / Page	6426 / 250
Map Reference	LB CBG 2 FO 72
Instrument Date	Sep 21, 2023
Record Updated	Dec 4, 2023
Title Company	TITLE FORWARD

Transaction

Amount	Amount on Record
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

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	16890 BAY DR, DAMERON, MD 20628
Transaction Type	Mortgage
Record Updated	Sep 19, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16890 BAY DR, DAMERON, MD 20628

Mortgage

Document Number	0063910301
Date	Sep 5, 2023
Book Page	6391/301

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jun 8, 2023
Property Address	16890 BAY DR, DAMERON, MD 20628
Document Number	0063480499
Book / Page	6348 / 499
Map Reference	LB CBG 2 FO 72
Instrument Date	Jun 5, 2023
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	TITLE FORWARD

Transaction

Amount	Amount on Record
Tax	$12,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	16890 BAY DR, DAMERON, MD 20628
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047730136
Date	Nov 29, 2017
Book Page	4773/136
Instrument	4773-136

Lender

Name	CEDAR POINT FCU
Type	Credit Union
Address	LEXINGTON PARK, MD 20653

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 28, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 6, 2021
Property Address	16890 BAY DR, DAMERON, MD 20628
Document Number	0059400145
Book / Page	5940 / 145
Map Reference	LB CBG 2 FO 72
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 on Record
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 on Record
Term	360 Months
Due	Oct 1, 2051

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 27, 2021
Property Address	16890 BAY DR, DAMERON, MD 20628
Document Number	0058940354
Book / Page	5894 / 354
Instrument Date	Aug 18, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST MARY'S MD
Property Address	16890 BAY DR, DAMERON, MD 20628
Document Number	0053430308
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16890 BAY DR DAMERON MD 20628, DAMERON, MD 20628

Mortgage

Document Number	0053430308
Date	May 18, 2020
Book Page	005343/000308

Lender

Name	CEDAR POINT FCU
Type	Credit Union

Agreement

Amount	Amount on Record

Interest

Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 16890 Bay Dr was $18,157.

Source: St. Mary's County assessment roll, as of September 22, 2026

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		$1,884,300 Land $388,300 Building $1,496,000	$1,884,300 Land $388,300 Building $1,496,000
2025	$18,157.00
2023	$14,264.00	$1,368,300 Land $288,300 Building $1,080,000	$1,368,300 Land $288,300 Building $1,080,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16890 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	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

Wildfire risk around 16890 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.

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

Nearby Properties on Bay Dr

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