20426 Bowles Rd, Coltons Point, MD 20626 Property Records

St. Mary's County property record for 20426 Bowles Rd, Coltons Point, MD 20626

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,520 sqft · built 2008
Lot Size	0.77 acres (33,541 sqft)
Owner	Individual on Record
Last Sale	$370,000 (Jan 2024)
Tax Bill	$3,438 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-002459`

Property Details

APN / Parcel Number

Primary APN	`07-002459`
Alternative APNs	`7002459` `002459`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,520 sqft Total Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.77 acres)
Garage Type	Mixed
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	002459
Street Address	20426 BOWLES RD
City	COLTONS POINT
State	MD
Zip	20626-2119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	33,541 SQ FT S/S MD RT 242 AVENUE
Jurisdiction	ST MARY'S MD
Township / Civil Division	7, MILESTOWN
Census Block Group	3
Census Block	3008
Census Tract	875300

Owner

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

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

Owner of Record	Individual on Record
Mailing Address	20426 BOWLES RD, COLTONS POINT, MD 20626-2119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed, Transfer · Stand-Alone First Mortgage LUKE A GROENWOLDT
Oct 7, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	Oct 7, 2022 · Amount on Record
Transfer Doc	0000003633
Record Updated	Sep 20, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jan 10, 2024
Property Address	20426 BOWLES RD, COLTONS POINT, MD 20626-2119
Document Number	0064520069
Book / Page	6452 / 69
Map Reference	LB MRB 203 FO 29
Instrument Date	Dec 28, 2023
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	BUYERS TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	20426 BOWLES RD, COLTONS POINT, MD 20626-2119

Mortgage

Document Number	0064520075
Date	Jan 10, 2024
Book Page	6452/75

Lender

Name	LUKE A GROENWOLDT
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 28, 2053

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 7, 2022
Property Address	20426 BOWLES RD, COLTONS POINT, MD 20626-2119
Document Number	0062340391
Book / Page	6234 / 391
Instrument Date	Sep 30, 2022
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20426 BOWLES RD, COLTONS POINT, MD 20626-2119

Mortgage

Document Number	0006234399
Date	Oct 7, 2022
Instrument	6234/399

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

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		$334,500 (+9.31%)	$363,000 (-) Land $113,600 Building $249,400
2025	$3,438.00 (+14.03%)	$306,000 (+14.66%)	$363,000 (+30.81%) Land $113,600 Building $249,400
2023	$3,015.00	$266,867	$277,500 Land $106,000 Building $171,500

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
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	Hurricane Isabel, Sep 2003 · 14 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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