20450 Piney Point Rd, Callaway, MD 20620 Property Records

St. Mary's County property record for 20450 Piney Point Rd, Callaway, MD 20620

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,604 sqft · built 2004
Lot Size	2.79 acres (121,532 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Sep 2023)
Tax Bill	$4,976 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-042363`

Property Details

APN / Parcel Number

Primary APN	`02-042363`
Alternative APN	`042363`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,604 sqft Total Area
Basement Area	1,050 sqft
Finished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	121,532 sqft (2.79 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	042363
Street Address	20450 PINEY POINT RD
City	CALLAWAY
State	MD
Zip	20620-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 500-2 PLAT 57/7 & 58/105 DETEMPLE SUBD
Legal Subdivision	DETEMPLE 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 September 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20450 PINEY POINT RD, CALLAWAY, MD 20620-2126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed, Transfer · Conventional Mortgage NAVY FCU
Feb 6, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jan 18, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2023 · Amount on Record
Deed Sale	Sep 28, 2023 · Amount on Record
Prior Sale	Jan 18, 2019 · Amount on Record
Deed Book / Page	6405 / 278
Transfer Doc	0000000384
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Sep 28, 2023
Property Address	20450 PINEY POINT RD, CALLAWAY, MD 20620-2126
Document Number	0064050278
Book / Page	6405 / 278
Map Reference	LB 58 FO 105
Instrument Date	Sep 25, 2023
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	NOT AVAILABLE, TRI COUNTY ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20450 PINEY POINT RD, CALLAWAY, MD 20620-2126

Mortgage

Document Number	0006405285
Date	Sep 28, 2023
Instrument	6405/285

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	5-Year TN
Margin	2
Max Rate	10.3%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	20450 PINEY POINT RD, CALLAWAY, MD 20620-2126
Document Number	0052740092
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20450 PINEY POINT RD CALLAWAY MD 206202126, CALLAWAY, MD 20620-2126

Mortgage

Document Number	0052740092
Date	Feb 20, 2020
Book Page	005274/000092

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jan 18, 2019
Property Address	20450 PINEY POINT RD, CALLAWAY, MD 20620-2126
Document Number	0050130477
Book / Page	005013 / 000477
Instrument Date	Dec 5, 2018
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$399.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20450 PINEY POINT RD CALLAWAY MD 206202126, CALLAWAY, MD 20620-2126

Mortgage

Document Number	50130482
Date	Jan 18, 2019
Book Page	005013/000482

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2049

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		$498,900 (+22.95%)	$548,500 (+15.69%) Land $124,000 Building $424,500
2025	$4,976.00 (+11.87%) Homeowner's exemption
2023	$4,448.00	$405,767	$474,100 Land $118,100 Building $356,000

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 42% of the US · above 82% of Maryland
Wildfire Likelihood	0.06% 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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