St. Mary's County property record for 21356 Oakley Rd, Avenue, MD 20609
| Property Type | Rural Home |
|---|---|
| Details | 2.5 ba · 3,617 sqft · built 2024 |
| Lot Size | 23 acres (1,001,880 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Feb 2021) |
| Tax Bill | $8,291 (2025) |
| Deeds & Mortgages | Aug 2022 Construction Loan Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-034997 |
| Primary APN | 07-034997 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,617 sqft Total Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,001,880 sqft (23 acres) |
| Garage Type | Mixed |
| Garage Area | 684 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 034997 |
|---|---|
| Street Address | 21356 OAKLEY RD |
| City | AVENUE |
| State | MD |
| Zip | 20609-2145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RPD |
| Legal Description | 23.00 ACRES OAKLEY-WHITE HALL |
| Legal Subdivision | WHITE HALL WOODLAND |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 7, MILESTOWN |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 875300 |
Source: St. Mary's County records, as of September 22, 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 | 21356 OAKLEY RD, AVENUE, MD 20609-2145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · Construction Mortgage SHORE UNITED BANK NA |
| Feb 16, 2021 | Deed, Transfer · Stand-Alone First Mortgage COLONIAL FARM CREDIT ACA |
| Oct 29, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2021 · Amount on Record |
| Deed Sale | Feb 16, 2021 · Amount on Record |
| Prior Sale | Oct 29, 2019 · Amount on Record |
| Deed Book / Page | 5646 / 389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 21356 OAKLEY RD, AVENUE, MD 20609-2145 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 21356 OAKLEY RD, AVENUE, MD 20609-2145 |
| Document Number | 0062080070 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 6208/70 |
| Name | SHORE UNITED BANK NA |
|---|---|
| Type | Bank |
| Address | EASTON, MD 21601 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Sep 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Feb 16, 2021 |
| Property Address | 21356 OAKLEY RD, AVENUE, MD 20609-2145 |
| Document Number | 0056460389 |
| Book / Page | 5646 / 389 |
| Instrument Date | Jan 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | MARYLAND TITLE CENTER LLC, MARYLAND TRUST T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | PO BOX 743, DUNKIRK, MD 20754-0743 |
| Document Number | 0005646396 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 5646/396 |
| Name | COLONIAL FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Oct 29, 2019 |
| Property Address | 21356 OAKLEY RD, AVENUE, MD 20609-2145 |
| Document Number | 0051940052 |
| Book / Page | 005194 / 000052 |
| Instrument Date | Oct 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 38980 HODGES RD AVENUE MD 206092211, AVENUE, MD 20609-2211 |
Source: St. Mary's County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $809,067 (+808.04%) | $857,000 (+861.84%) Land $171,900 Building $685,100 | |
| 2025 | $8,291.00 (+769.99%) Homeowner's exemption | ||
| 2023 | $953.00 | $89,100 Land $89,100 | $89,100 Land $89,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 2 (2003–2007) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jan 2007 · rainfall accumulation |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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