St. Mary's County property record for 20495 Waterloo Ln, Coltons Point, MD 20626
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 4,225 sqft · built 1974 |
| Lot Size | 0.442 acres (19,252 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,215,000 (May 2025) |
| Tax Bill | $9,813 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-007086 |
| Primary APN | 07-007086 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 4,225 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 19,252 sqft (0.442 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 316 sqft |
| Boat Access | Boat Access |
| Boat House | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 007086 |
|---|---|
| Street Address | 20495 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 9 & 1/2 LOT 10 PLAT 4/72 & 56/44 WATERLOO SHORES |
| Legal Subdivision | WATERLOO SHORES |
| Legal Lot Number | 9,10 |
| 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 07-007086
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 | 12920 RIVER RD, POTOMAC, MD 20854-1141 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 21, 2025 · Amount on Record |
| Deed Sale | May 21, 2025 · Amount on Record |
| Prior Sale | Apr 05, 2004 · Amount on Record |
| Transfer Doc | 0000000973 |
| Record Updated | Sep 20, 2026 |
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 | $910,868 (+36.64%) | $919,800 (+30.69%) Land $340,800 Building $579,000 | |
| 2025 | $9,813.00 (+34.59%) | ||
| 2023 | $7,291.00 | $666,600 | $703,800 Land $250,800 Building $453,000 |
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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