St. Mary's County property record for 20988 Aster Dr, Callaway, MD 20620 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,508 sqft · built 1995 |
| Lot Size | 2.66 acres (115,870 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Nov 2018) |
| Tax Bill | $4,209 (2025) |
| Deeds & Mortgages | May 2022 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-032945 |
| Primary APN | 02-032945 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,508 sqft Total Area |
| Basement Area | 1,300 sqft |
| Finished Basement | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 115,870 sqft (2.66 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
| Porch | Slab |
| Porch Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 032945 |
|---|---|
| Street Address | 20988 ASTER DR |
| City | CALLAWAY |
| State | MD |
| Zip | 20620-2009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 60 PLAT 37/85 COX'S RUN |
| Legal Subdivision | COXS RUN |
| Legal Lot Number | 60 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 2, VALLEY LEE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 876102 |
Source: St. Mary's County records · APN 02-032945
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 | 20988 ASTER DR, CALLAWAY, MD 20620-2009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CEDAR POINT FCU |
| May 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC |
| Nov 15, 2018 | Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 15, 2018 · Amount on Record |
| Deed Sale | Nov 15, 2018 · Amount on Record |
| Prior Sale | Sep 11, 2006 · Amount on Record |
| Deed Book / Page | 4980 / 464 |
| Prior Transfer Date | Mar 09, 2009 |
| Prior Transfer Doc | 0032630765 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 20988 ASTER DR, CALLAWAY, MD 20620-2009 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | BLUE CRAB T&E LLC |
| Name | Verified Name |
|---|---|
| Address | 20988 ASTER DR, CALLAWAY, MD 20620-2009 |
| Document Number | 0061490425 |
|---|---|
| Date | May 24, 2022 |
| Book Page | 6149/425 |
| Name | CEDAR POINT FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON PARK, MD 20653 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 20988 ASTER DR, CALLAWAY, MD 20620-2009 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | BRIDGEVIEW TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0053430002 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 5343/2 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2040 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Nov 15, 2018 |
| Property Address | 20988 ASTER DR, CALLAWAY, MD 20620-2009 |
| Document Number | 0049800464 |
| Book / Page | 4980 / 464 |
| Map Reference | LB EWA37 FO85 |
| Instrument Date | Nov 09, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | BRIDGEVIEW TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20988 ASTER DR, CALLAWAY, MD 20620-2009 |
| Document Number | 0004980470 |
|---|---|
| Date | Nov 15, 2018 |
| Instrument | 4980/470 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
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 | $435,200 (+6.56%) | $488,800 (+19.69%) Land $128,300 Building $360,500 | |
| 2025 | $4,209.00 (+6.48%) Homeowner's exemption | $408,400 (+11.06%) Land $128,300 Building $280,100 | $408,400 (-) Land $128,300 Building $280,100 |
| 2023 | $3,953.00 Homeowner's exemption | $367,733 | $408,400 Land $128,300 Building $280,100 |
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 240378761022, 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 |
| Flood Insurance Cost | Premium on Record median of 7 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 7 in force 6 of 7 on primary residences |
| Wildfire Risk | Moderate above 44% of the US · above 84% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 1,695 per year |
| 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.
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