19887 Piney Point Rd, Callaway, MD 20620 Property Records

St. Mary's County property record for 19887 Piney Point Rd, Callaway, MD 20620

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,472 sqft · built 1974
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$89,800 (Mar 2002)
Tax Bill	$1,839 (2025)
Deeds & Mortgages	Jan 2022 Second Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-002418`

Property Details

APN / Parcel Number

Primary APN	`02-002418`
Alternative APNs	`2002418` `002418`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,472 sqft Total Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Built-in
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	42 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	002418
Street Address	19887 PINEY POINT RD
City	CALLAWAY
State	MD
Zip	20620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 2 HEWITT SUBD
Legal Subdivision	HEWITT SUB
Legal Lot Number	2
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	2
Census Block	2011
Census Tract	876101

Owner

Source: St. Mary's County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 77, CALLAWAY, MD 20620-0077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Aug 10, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 7, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2002 · Amount on Record
Deed Sale	Mar 1, 2002 · Amount on Record
Prior Sale	Oct 22, 2001 · Amount on Record
Deed Document Number	20022289
Deed Book / Page	1761 / 385
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	19887 PINEY POINT RD, CALLAWAY, MD 20620
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19887 PINEY POINT RD, CALLAWAY, MD 20620

Mortgage

Document Number	0060350260
Date	Jan 7, 2022
Book Page	6035/260

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	223 Months
Due	Aug 1, 2040

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	19887 PINEY POINT RD, CALLAWAY, MD 20620
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054210177
Date	Aug 10, 2020
Book Page	5421/177

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2040

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	19887 PINEY POINT RD, CALLAWAY, MD 20620
Document Number	0047020095
Book / Page	004702 / 000095
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19887 PINEY POINT RD CALLAWAY MD 20620, CALLAWAY, MD 20620

Mortgage

Document Number	0047020095
Date	Aug 9, 2017
Book Page	004702/000095

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Aug 8, 2042

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of August 12, 2025

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		$256,833 (+13.34%)	$278,900 (+13.47%) Land $108,700 Building $170,200
2025	$1,839.00 (+6.12%) Homeowner's exemption
2023	$1,733.00 Homeowner's exemption	$226,600	$245,800 Land $98,800 Building $147,000

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force

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

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

Wildfire Risk	Moderate above 46% of the US · above 86% of Maryland
Wildfire Likelihood	0.09% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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