20809 Seth Ct, Callaway, MD 20620 Property Records

St. Mary's County property record for 20809 Seth Ct, Callaway, MD 20620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,712 sqft · built 1998
Lot Size	3.45 acres (150,282 sqft)
Owner	2 Company Names on Record
Last Sale	$450,000 (Apr 2021)
Tax Bill	$5,207 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-035782`

Property Details

APN / Parcel Number

Primary APN	`02-035782`
Alternative APNs	`2035782` `035782`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,712 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	150,282 sqft (3.45 acres)
Garage Type	Mixed
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft
Deck Area	182 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	035782
Street Address	20809 SETH CT
City	CALLAWAY
State	MD
Zip	20620-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 1 SECTION 2 PLAT 41/102 COXS RUN
Legal Subdivision	COXS RUN
Legal Lot Number	1
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	2
Census Block	2000
Census Tract	876102

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 Company Names on Record
Mailing Address	20809 SETH CT, CALLAWAY, MD 20620-2321
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2021 · Amount on Record
Deed Sale	Apr 7, 2021 · Amount on Record
Prior Sale	Apr 24, 2015 · Amount on Record
Deed Book / Page	5721 / 404
Prior Transfer Date	Apr 13, 2007
Prior Transfer Doc	0029870173
Record Updated	Sep 20, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Apr 7, 2021
Property Address	20809 SETH CT, CALLAWAY, MD 20620-2321
Document Number	0057210404
Book / Page	5721 / 404
Map Reference	LB 41 FO 102
Instrument Date	Mar 31, 2021
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	BLUE CRAB TITLE ESCROW LLC, BLUE CRAB TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20809 SETH CT, CALLAWAY, MD 20620-2321

Mortgage

Document Number	5721410
Date	Apr 7, 2021
Instrument	5721/410

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

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		$481,333 (+0.89%)	$489,800 (+2.66%) Land $132,200 Building $357,600
2025	$5,207.00 (+11.38%)	$477,100 (+11.67%) Land $132,200 Building $344,900	$477,100 (-) Land $132,200 Building $344,900
2023	$4,675.00	$427,233	$477,100 Land $132,200 Building $344,900

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force

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	Moderate above 44% of the US · above 84% of Maryland
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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