St. Mary's County property record for 20545 Waterloo Ln, Coltons Point, MD 20626 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,573 sqft · built 1970 |
| Lot Size | 0.39 acres (17,008 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $545,000 (Jul 2024) |
| Tax Bill | $4,559 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-014805 |
| Primary APN | 07-014805 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,573 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 17,008 sqft (0.39 acres) |
| View / Lot | Waterfront |
| Garage Type | Carport |
| Garage Area | 406 sqft |
| Carport | Carport |
| Carport Area | 406 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 112 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 014805 |
|---|---|
| Street Address | 20545 WATERLOO LN |
| City | COLTONS POINT |
| State | MD |
| Zip | 20626-2100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 500-15 PLAT 55/122 WATERLOO SHORES |
| Legal Subdivision | WATERLOO SHORES |
| Legal Lot Number | 15 |
| 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 07-014805
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 | 665 YEARLING DR, PRINCE FREDERICK, MD 20678-3291 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 26, 2024 · Amount on Record |
| Deed Sale | Jul 26, 2024 · Amount on Record |
| Prior Sale | Mar 10, 2016 · Amount on Record |
| Prior Transfer Date | Jun 01, 2011 |
| Prior Transfer Doc | 0035900474 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 20545 WATERLOO LN, COLTONS POINT, MD 20626-2100 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | CU TITLE INSURANCE AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0053210468 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 5321/468 |
| Name | CREDIT UNION MORTGAGE ASSOCIATION INC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | May 01, 2035 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Max Rate | 6.75% |
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 | $471,867 (+14.88%) | $533,000 (-) Land $319,700 Building $213,300 | |
| 2025 | $4,559.00 (+18.45%) | $410,733 (+19.1%) | $533,000 (+52.46%) Land $319,700 Building $213,300 |
| 2023 | $3,849.00 | $344,867 | $349,600 Land $243,400 Building $106,200 |
Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), updated May 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240378753003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 48 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 9,091 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
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