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20640 Waterloo Cir, Coltons Point, MD 20626 Property Records

St. Mary's County property record for 20640 Waterloo Cir, Coltons Point, MD 20626 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,562 sqft · built 2001
Lot Size1.83 acres (79,715 sqft)
OwnerIndividual Name on File
Last Sale$189,000 (Jun 2003)
Tax Bill$3,858 (2025)
Deeds & MortgagesApr 2021 Mortgage
Feb 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APN07-013744

Property Details

APN / Parcel Number

Primary APN07-013744
Alternative APNs
  • 7013744
  • 013744

Interior

Full Baths2 Baths
Stories2 Stories
Building Area2,562 sqft Total Area
Basement Area576 sqft

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area79,715 sqft (1.83 acres)
Garage TypeBuilt-in
Garage Area672 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area192 sqft
Deck Area72 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number013744
Street Address20640 WATERLOO CIR
CityCOLTONS POINT
StateMD
Zip20626-2106
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1.83 ACRES S/W RT 242 GOLDEN SUBDIVISION
Legal SubdivisionGOLDEN SUB
JurisdictionST MARY'S MD
Township / Civil Division7, MILESTOWN
Census Block Group3
Census Block3018
Census Tract875300

Owner

Source: St. Mary's County records · APN 07-013744

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 RecordIndividual Name on File
Mailing Address20640 WATERLOO CIR, COLTONS POINT, MD 20626-2106
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST HOME MORTGAGE CORP
Feb 14, 2019Deed of Trust, Mortgage · Line of Credit
CITIBANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 02, 2003 · Amount on Record
Deed SaleJun 02, 2003 · Amount on Record
Prior SaleJul 13, 2000 · Amount on Record
Deed Document Number20033627
Deed Book / Page2021 / 783
Last Transfer DateAug 23, 2012
Transfer Doc0037730638
Record UpdatedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST MARY'S MD
Property Address20640 WATERLOO CIR, COLTONS POINT, MD 20626-2106
Transaction TypeMortgage
Record UpdatedSep 14, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057340386
DateApr 16, 2021
Book Page5734/386
Lender
NameFIRST HOME MORTGAGE CORP
TypeMortgage Company
AddressNOTTINGHAM, MD 21236
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST MARY'S MD
Property Address20640 WATERLOO CIR, COLTONS POINT, MD 20626-2106
Transaction TypeMortgage
Record UpdatedOct 27, 2022
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0050250493
DateFeb 14, 2019
Book Page5025/493
Lender
NameCITIBANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountySt. Mary's County
Unified School DistrictSt. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$425,833 (+6.87%)$453,200 (-) Land $124,100 Building $329,100
2025$3,858.00 (+6.55%) Homeowner's exemption$398,467 (+11.68%)$453,200 (+22.12%) Land $124,100 Building $329,100
2023$3,621.00 Homeowner's exemption$356,800$371,100 Land $119,100 Building $252,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 48 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies48 in force
Nearby Flood Claims22 (1996–2021)
Claims Outside the SFHA10 of 22
Most Recent ClaimOct 2021, other causes
Claims By Storm
  • Hurricane Isabel, Sep 2003 · 14 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 41% of Maryland
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 59 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cogeco Cable Holdings IICable1,000 / 50

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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