St. Mary's County property record for 20315 Gerard Ln, Coltons Point, MD 20626
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,800 sqft · built 2008 |
| Lot Size | 0.43 acres (18,750 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,576 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-031408 |
| Primary APN | 07-031408 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,800 sqft Total Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 18,750 sqft (0.43 acres) |
| Garage Type | Detached |
| Garage Area | 1,056 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Deck Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 031408 |
|---|---|
| Street Address | 20315 GERARD LN |
| City | COLTONS POINT |
| State | MD |
| Zip | 20626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RNC |
| Legal Description | LOT 500-31 BLOCK 20 PLAT 61/122 POINT BLACKISTONE |
| Legal Block | 20 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20315 GERARD LN, COLTONS POINT, MD 20626 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2008 |
| Deed Sale | Mar 21, 2008 |
| Prior Sale | Nov 2, 2005 · Amount on Record |
| Deed Document Number | 20082132 |
| Deed Book / Page | 3144 / 40 |
| Last Transfer Date | Aug 9, 2021 |
| Transfer Doc | 0058810300 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Aug 16, 2021 |
| Property Address | 20315 GERARD LN, COLTONS POINT, MD 20626 |
| Document Number | 0058810300 |
| Book / Page | 5881 / 300 |
| Map Reference | MB 61 FO 122 |
| Instrument Date | Aug 9, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20315 GERARD LN, COLTONS POINT, MD 20626 |
| Document Number | 5881305 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 5881/305 |
| Name | EDUCATIONAL SYSTEMS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $337,567 (+5.84%) | $356,200 (-) Land $71,200 Building $285,000 | |
| 2025 | $3,576.00 (+9.59%) | $318,933 (+9.96%) | $356,200 (+18.61%) Land $71,200 Building $285,000 |
| 2023 | $3,263.00 | $290,033 | $300,300 Land $71,200 Building $229,100 |
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 |
|---|---|
| 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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