18254 Cherryfield Rd, Drayden, MD 20630 Property Records

St. Mary's County property record for 18254 Cherryfield Rd, Drayden, MD 20630

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,331 sqft · built 1994
Lot Size	3.04 acres (132,422 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Dec 2019)
Tax Bill	$6,591 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-027488`

Property Details

APN / Parcel Number

Primary APN	`02-027488`
Alternative APNs	`2027488` `027488`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,331 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	132,422 sqft (3.04 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	210 sqft
Deck Area	200 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	027488
Street Address	18254 CHERRYFIELD RD
City	DRAYDEN
State	MD
Zip	20630-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 2 PLAT 29/41 GARNER'S SUBD
Legal Subdivision	GARNERS SUBDIVISION
Legal Lot Number	2
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	1
Census Block	1008
Census Tract	876101

Owner

Source: St. Mary's County records · APN 02-027488

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 Individual Names on File
Mailing Address	18254 CHERRYFIELD RD, DRAYDEN, MD 20630-3009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 04, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Dec 12, 2019	Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 12, 2019 · Amount on Record
Deed Sale	Dec 12, 2019 · Amount on Record
Prior Sale	Jul 31, 2012 · Amount on Record
Deed Book / Page	5227 / 351
Transfer Doc	0000006193
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	18254 CHERRYFIELD RD, DRAYDEN, MD 20630-3009
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057600381
Date	May 04, 2021
Book Page	5760/381

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	NANTICOKE, MD 21840

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 01, 2051

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Dec 12, 2019
Property Address	18254 CHERRYFIELD RD, DRAYDEN, MD 20630-3009
Document Number	0052270351
Book / Page	5227 / 351
Map Reference	MB 29 FO 41
Instrument Date	Dec 02, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,600.00
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	18254 CHERRYFIELD RD, DRAYDEN, MD 20630-3009

Mortgage

Document Number	0005227359
Date	Dec 12, 2019
Instrument	5227/359

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 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

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		$645,700 (+11.31%)	$672,100 (+6.26%) Land $296,800 Building $375,300
2025	$6,591.00 (+6.31%) Homeowner's exemption
2023	$6,200.00	$580,100	$632,500 Land $270,600 Building $361,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record 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	Hurricane Isabel, Sep 2003 · 8 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
Starlink Satellite	280 / 30

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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