St. Mary's County property record for 18042 Cherryfield Rd, Drayden, MD 20630
| Property Type | Rural Home |
|---|---|
| Details | 2 ba · 1,480 sqft · built 2024 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,212 (2025) |
| Deeds & Mortgages | Dec 2022 Construction Loan Sep 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-007223 |
| Primary APN | 02-007223 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,480 sqft Total Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 261,360 sqft (6 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 007223 |
|---|---|
| Street Address | 18042 CHERRYFIELD RD |
| City | DRAYDEN |
| State | MD |
| Zip | 20630-3027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | CM |
| Legal Description | 6 AC CHERRYFIELD RD |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 2, VALLEY LEE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 876101 |
18042 Cherryfield Rd, a rural home, 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 | 18042 CHERRYFIELD RD, DRAYDEN, MD 20630-3027 |
| 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.
| Date | Document |
|---|---|
| Dec 1, 2022 | Deed of Trust, Mortgage · Construction Mortgage SHORE UNITED BANK NA |
| Sep 12, 2022 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 18042 CHERRYFIELD RD, DRAYDEN, MD 20630-3027 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2022 |
| Title Company | TRI COUNTY ABSTRACT INC |
| Name | Verified Name |
|---|---|
| Address | 18042 CHERRYFIELD RD, DRAYDEN, MD 20630-3027 |
| Document Number | 0062640030 |
|---|---|
| Date | Dec 1, 2022 |
| Book Page | 6264/30 |
| Name | SHORE UNITED BANK NA |
|---|---|
| Type | Bank |
| Address | EASTON, MD 21601 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 10.5% |
| Index | 1-Year T-Bill |
| Max Rate | 10.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Sep 12, 2022 |
| Property Address | 18042 CHERRYFIELD RD, DRAYDEN, MD 20630-3027 |
| Document Number | 0062170475 |
| Book / Page | 6217 / 475 |
| Instrument Date | Sep 1, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 26835 THREE NOTCH RD, MECHANICSVILLE, MD 20659-4449 |
The 2025 property tax bill for 18042 Cherryfield Rd was $6,212 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 | $586,900 | $616,300 Land $356,100 Building $260,200 | |
| 2025 | $6,212.00 Homeowner's exemption | ||
| 2023 | $3,153.00 | $298,433 | $305,100 Land $262,100 Building $43,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18042 Cherryfield Rd 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 103 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 103 in force |
| Nearby Flood Claims | 24 (1996–2023) |
| Most Recent Claim | Jun 2023 |
| 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 18042 Cherryfield Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 80% of Maryland |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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