20438 Killdeer Ln, Callaway, MD 20620 Property Records

St. Mary's County property record for 20438 Killdeer Ln, Callaway, MD 20620

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,880 sqft · built 1988
Lot Size	2.38 acres (103,673 sqft)
Owner	2 Trust Names on Record
Tax Bill	$3,761 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-024497`

Property Details

APN / Parcel Number

Primary APN	`02-024497`
Alternative APNs	`2024497` `024497`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,880 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	103,673 sqft (2.38 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces
Deck Area	133 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	024497
Street Address	20438 KILLDEER LN
City	CALLAWAY
State	MD
Zip	20620-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 3B SECTION 2 RACE GROUND
Legal Subdivision	RACE GROUND SEC 02
Legal Lot Number	3B
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	2
Census Block	2010
Census Tract	876102

Owner

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

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

Owner of Record	2 Trust Names on Record
Mailing Address	20438 KILLDEER LN, CALLAWAY, MD 20620-2032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2006
Deed Sale	Jun 8, 2006
Prior Sale	Dec 10, 2004 · Amount on Record
Deed Document Number	20063958
Deed Book / Page	2792 / 750
Prior Transfer Date	Feb 4, 2006
Prior Transfer Doc	0027920750
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	20438 KILLDEER LN, CALLAWAY, MD 20620-2032
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20438 KILLDEER LN, CALLAWAY, MD 20620-2032

Mortgage

Document Number	0058590249
Date	Jul 27, 2021
Book Page	5859/249

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$365,333 (+2.71%)	$384,600 (+8.12%) Land $121,900 Building $262,700
2025	$3,761.00 (+6.27%) Homeowner's exemption	$355,700 (+9.41%) Land $116,100 Building $239,600	$355,700 (-) Land $116,100 Building $239,600
2023	$3,539.00 Homeowner's exemption	$325,100	$355,700 Land $116,100 Building $239,600

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 43% of the US · above 83% of Maryland
Wildfire Likelihood	0.07% 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 33 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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