St. Mary's County property record for 20485 Waterloo Ln, Coltons Point, MD 20626
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,402 sqft · built 2023 |
| Lot Size | 0.932 acres (40,590 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $263,800 (Sep 2005) |
| Tax Bill | $8,041 (2025) |
| Deeds & Mortgages | Apr 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-003374 |
| Primary APN | 07-003374 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,402 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 40,590 sqft (0.932 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 464 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 288 sqft |
| Deck Area | 512 sqft |
| Boat Access | Boat Access |
| Boat House | 351 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 003374 |
|---|---|
| Street Address | 20485 WATERLOO LN |
| City | COLTONS POINT |
| State | MD |
| Zip | 20626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 5000-7 WATERLOO SHORES |
| Legal Subdivision | WATERLOO SHORES |
| Legal Lot Number | 7 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 7, MILESTOWN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 875300 |
Source: St. Mary's County records · APN 07-003374
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | PO BOX 162, COLTONS POINT, MD 20626-0162 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 22, 2005 · Amount on Record |
| Deed Sale | Sep 22, 2005 · Amount on Record |
| Deed Document Number | 2005871 |
| Deed Book / Page | 2617 / 227 |
| Last Transfer Date | Oct 14, 2008 |
| Transfer Doc | 0032200190 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 20485 WATERLOO LN, COLTONS POINT, MD 20626 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Title Company | NOT AVAILABLE, TAILWIND TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Address | 20485 WATERLOO LN, COLTONS POINT, MD 20626 |
| Document Number | 0063270258 |
|---|---|
| Date | Apr 21, 2023 |
| Book Page | 6327/258 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | BLUE BELL, PA 19422 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | May 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Type Change Date | May 01, 2034 |
| Change Frequency | Annually |
| Min Rate At Change | 6.62% |
| Max Rate At Change | 11.6% |
| Index | 1-Year T-Bill |
| Max Rate | 11.6% |
Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $832,000 (+7.86%) | $892,600 (-) Land $365,700 Building $526,900 | |
| 2025 | $8,041.00 (+73.82%) Homeowner's exemption | $771,400 (+84.78%) | $892,600 (+111.42%) Land $365,700 Building $526,900 |
| 2023 | $4,626.00 Homeowner's exemption | $417,467 | $422,200 Land $285,700 Building $136,500 |
Source: FEMA National Flood Hazard Layer as of May 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 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 |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
Based on FCC filings for 8 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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