23525 Mount Chance Ct, Clements, MD 20624 Property Records

St. Mary's County property record for 23525 Mount Chance Ct, Clements, MD 20624

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,705 sqft · built 2008
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on Record
Last Sale	$464,000 (Apr 2019)
Tax Bill	$5,721 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-036043`

Property Details

APN / Parcel Number

Primary APN	`07-036043`
Alternative APNs	`7036043` `036043`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,705 sqft Total Area
Basement Area	203 sqft
Finished Basement	850 sqft
Unfinished Basement	203 sqft
Utility Area	754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	61,855 sqft (1.42 acres)
Garage Type	Mixed
Garage Area	1,778 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	204 sqft
Deck Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	036043
Street Address	23525 MOUNT CHANCE CT
City	CLEMENTS
State	MD
Zip	20624-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 6 PLAT 28/52 MOUNT CHANCE SUBDIVISION
Legal Subdivision	MOUNT CHANCE SUB
Legal Lot Number	6
Jurisdiction	ST MARY'S MD
Township / Civil Division	7, MILESTOWN
Census Block Group	2
Census Block	2003
Census Tract	875300

Owner

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	23225 MOUNT CHANCE CT, CLEMENTS, MD 20624
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 5, 2019	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on Record
Deed Sale	Apr 5, 2019 · Amount on Record
Prior Sale	Jun 1, 2007
Deed Book / Page	5052 / 443
Prior Transfer Date	Aug 19, 2016
Prior Transfer Doc	0044710126
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23525 MOUNT CHANCE CT, CLEMENTS, MD 20624-2409
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053130024
Date	Apr 10, 2020
Book Page	5313/24

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Apr 5, 2019
Property Address	23525 MOUNT CHANCE CT, CLEMENTS, MD 20624-2409
Document Number	0050520443
Book / Page	5052 / 443
Map Reference	MB MRB 28 FO 52
Instrument Date	Mar 29, 2019
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	BAY COUNTY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,660.00
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	23525 MOUNT CHANCE CT, CLEMENTS, MD 20624-2409

Mortgage

Document Number	5052449
Date	Apr 5, 2019
Instrument	5052/449

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of September 22, 2026

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		$550,667 (+6.01%)	$581,900 (-) Land $107,100 Building $474,800
2025	$5,721.00 (+16.07%)	$519,433 (+16.53%)	$581,900 (+19.19%) Land $107,100 Building $474,800
2023	$4,929.00	$445,767	$488,200 Land $107,100 Building $381,100

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
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.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 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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