20505 Waterloo Ln, Coltons Point, MD 20626 Property Records

St. Mary's County property record for 20505 Waterloo Ln, Coltons Point, MD 20626

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,660 sqft · built 1969
Lot Size	0.43 acres (18,730 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (May 2002)
Tax Bill	$836 (2025)
Flood Zone	Zone X (minimal risk)
APN	`07-028342`

Property Details

APN / Parcel Number

Primary APN	`07-028342`
Alternative APNs	`7028342` `028342`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,660 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	18,730 sqft (0.43 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	424 sqft
Deck Area	255 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	028342
Street Address	20505 WATERLOO LN
City	COLTONS POINT
State	MD
Zip	20626-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 11 & 1/2 OF 10 PLAT 4/72 & 56/44 WATERLOO SHORES
Legal Subdivision	WATERLOO SHORES
Legal Lot Number	11
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 records, as of August 18, 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 Record
Mailing Address	PO BOX 24, COLTONS POINT, MD 20626-0024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2002 · Amount on Record
Deed Sale	May 13, 2002 · Amount on Record
Deed Document Number	20023039
Deed Book / Page	1792 / 620
Record Updated	Sep 20, 2026

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		$476,800 (+22.93%)	$518,300 (+31.62%) Land $339,600 Building $178,700
2025	$836.00 (-62.34%) Homeowner's exemption
2023	$2,220.00 Homeowner's exemption	$387,867	$393,800 Land $249,600 Building $144,200

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 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	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	Not rated no burnable land within ember reach

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