St. Mary's County property record for 20274 Gerard Ln, Coltons Point, MD 20626
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,872 sqft · built 1970 |
| Lot Size | 1.14 acres (49,658 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Jan 2022) |
| Tax Bill | $2,852 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-009763 |
| Primary APN | 07-009763 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,872 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 49,658 sqft (1.14 acres) |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 009763 |
|---|---|
| Street Address | 20274 GERARD LN |
| City | COLTONS POINT |
| State | MD |
| Zip | 20626-2149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RNC |
| Legal Description | LOTS 7-14 31-38 BLOCK 11 PLAT 5/97 POINT BLACKISTONE |
| Legal Block | 11 |
| Legal Lot Number | 7-14 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 7, MILESTOWN |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 875300 |
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 | 20274 GERARD LN, COLTONS POINT, MD 20626-2149 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 2022 · Amount on Record |
| Deed Sale | Jan 26, 2022 · Amount on Record |
| Prior Sale | Nov 20, 2000 · Amount on Record |
| Deed Book / Page | 6053 / 216 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Jan 26, 2022 |
| Property Address | 20274 GERARD LN, COLTONS POINT, MD 20626-2149 |
| Document Number | 0060530216 |
| Book / Page | 6053 / 216 |
| Map Reference | MB 5 PL 97 |
| Instrument Date | Jan 10, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Title Company | BAYVIEW TITLE, BAYVIEW TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $887.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 20274 GERARD LN, COLTONS POINT, MD 20626-2149 |
| Document Number | 0006053222 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | 6053/222 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: St. Mary's County assessment roll, as of August 12, 2025
| 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 | $265,000 (+17.33%) | $278,800 (+17.44%) Land $80,700 Building $198,100 | |
| 2025 | $2,852.00 (+10.71%) | ||
| 2023 | $2,576.00 | $225,867 | $237,400 Land $80,700 Building $156,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 48 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 22 (1996–2021) |
| Claims Outside the SFHA | 10 of 22 |
| Most Recent Claim | Oct 2021 · other causes |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
5G (outdoors only) and 4G LTE
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