St. Mary's County property record for 18488 Elmo's Way, Drayden, MD 20630
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,890 sqft · built 1986 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,733 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-025892 |
| Primary APN | 02-025892 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,890 sqft Total Area |
| Basement Area | 1,260 sqft |
| Finished Basement | 1,260 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 261,360 sqft (6 acres) |
| Garage Type | Detached |
| Garage Area | 2,880 sqft |
| Parking Spaces | 9 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 410 sqft |
| Deck Area | 840 sqft |
| Shed | 1 Shed |
| Shed Area | 2,304 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 025892 |
|---|---|
| Street Address | 18488 ELMOS WAY |
| City | DRAYDEN |
| State | MD |
| Zip | 20630-3019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 2 PLAT 26/61 TROSSBACH'S MINOR SUBD |
| Legal Subdivision | MINOR SUB |
| Legal Lot Number | 2 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 2, VALLEY LEE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 876101 |
18488 Elmo's Way is owner-occupied and held in a trust.
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 Trust Names on File |
|---|---|
| Mailing Address | 18488 ELMOS WAY, DRAYDEN, MD 20630-3019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 18488 ELMOS WAY, DRAYDEN, MD 20630-3019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 18488 ELMOS WAY, DRAYDEN, MD 20630-3019 |
| Document Number | 0057740061 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 5774/61 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | May 1, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 18488 Elmo's Way was $4,733 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 | $469,733 | $492,400 Land $140,900 Building $351,500 | |
| 2025 | $4,733.00 Homeowner's exemption | ||
| 2023 | $4,447.00 Homeowner's exemption | $414,667 | $458,400 Land $134,200 Building $324,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18488 Elmo's Way 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 18488 Elmo's Way is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 82% of Maryland |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
4G LTE (outdoors only), no 5G reported
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