18560 Saint Jeromes Neck Rd, Dameron, MD 20628 Property Records

St. Mary's County property record for 18560 Saint Jeromes Neck Rd, Dameron, MD 20628

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,106 sqft · built 2018
Lot Size	6.66 acres (290,110 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Aug 2004)
Tax Bill	$3,655 (2025)
Deeds & Mortgages	May 2018 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-018256`

Property Details

APN / Parcel Number

Primary APN	`01-018256`
Alternative APNs	`1018256` `018256`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,106 sqft Total Area
Basement Area	1,050 sqft
Finished Basement	1,050 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	290,110 sqft (6.66 acres)
Garage Type	Attached
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	018256
Street Address	18560 SAINT JEROMES NECK RD
City	DAMERON
State	MD
Zip	20628-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	6.662 ACRES PLAT 57/79 GRIFFINS CHOICE
Legal Subdivision	GRIFFINS CHOICE
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	2
Census Block	2027
Census Tract	876200

Owner

18560 Saint Jeromes Neck Rd is owned and occupied by two individuals who bought it in August 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	18560 SAINT JEROMES NECK RD, DAMERON, MD 20628-3412
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.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage CEDAR POINT FCU
Jan 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage CEDAR POINT FCU
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2004 · Amount on File
Deed Sale	Aug 5, 2004 · Amount on File
Deed Document Number	2004300
Deed Book / Page	2335 / 709
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	18560 SAINT JEROMES NECK RD, DAMERON, MD 20628-3412
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	BLUE CRAB TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048630239
Date	May 4, 2018
Book Page	4863/239

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jun 1, 2019

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	18560 SAINT JEROMES NECK RD, DAMERON, MD 20628-3412
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	BLUE CRAB TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050170171
Date	Jan 29, 2019
Book Page	5017/171

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	18560 SAINT JEROMES NECK RD, DAMERON, MD 20628-3412
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18560 SAINT JEROMES NECK RD, DAMERON, MD 20628-3412

Mortgage

Document Number	0060110310
Date	Dec 13, 2021
Book Page	6011/310

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 18560 Saint Jeromes Neck Rd was $3,655 with a homeowner's exemption.

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		$485,200 (+6.25%) Land $148,300 Building $336,900	$485,200 (-) Land $148,300 Building $336,900
2025	$3,655.00 Homeowner's exemption	$456,667	$485,200 Land $148,300 Building $336,900
2023	$4,279.00 Homeowner's exemption	$399,600 Land $143,300 Building $256,300	$399,600 Land $143,300 Building $256,300

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

Flood

FEMA maps place 18560 Saint Jeromes Neck Rd in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 1996.

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
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 18560 Saint Jeromes Neck Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · above 88% of Maryland
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Breezeline Cable	1,000 / 50

May also be available: T-Mobile.

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