St. Mary's County property record for 23532 Mount Chance Ct, Clements, MD 20624
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,016 sqft · built 1992 |
| Lot Size | 1.37 acres (59,677 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $29,000 (Aug 1990) |
| Tax Bill | $4,153 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-036612 |
| Primary APN | 07-036612 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,016 sqft Total Area |
| Utility Area | 896 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 59,677 sqft (1.37 acres) |
| Garage Type | Mixed |
| Garage Area | 2,396 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 592 sqft |
| Deck Area | 480 sqft |
| Shed | 1 Shed |
| Shed Area | 600 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 036612 |
|---|---|
| Street Address | 23532 MOUNT CHANCE CT |
| City | CLEMENTS |
| State | MD |
| Zip | 20624-2406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 12 SECTION 3 MOUNT CHANCE |
| Legal Subdivision | MOUNT CHANCE |
| Legal Lot Number | 12 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 7, MILESTOWN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 875300 |
Source: St. Mary's County assessment roll, as of August 12, 2025
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 | 23532 MOUNT CHANCE CT, CLEMENTS, MD 20624-2406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 1, 1990 · Amount on Record |
| Deed Sale | Aug 1, 1990 · Amount on Record |
| Deed Book / Page | 549 / 397 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 23532 MOUNT CHANCE CT, CLEMENTS, MD 20624-2406 |
| Document Number | 0046360116 |
| Book / Page | 004636 / 000116 |
| Instrument Date | Apr 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2017 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23532 MOUNT CHANCE CT CLEMENTS MD 206242406, CLEMENTS, MD 20624-2406 |
| Document Number | 0046360116 |
|---|---|
| Date | May 3, 2017 |
| Book Page | 004636/000116 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | May 2, 2027 |
Source: St. Mary's County assessment roll, as of August 12, 2025
| 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 | $471,567 (+19.77%) | $497,400 (+18.46%) Land $106,800 Building $390,600 | |
| 2025 | $4,153.00 (+6.76%) Homeowner's exemption | ||
| 2023 | $3,890.00 Homeowner's exemption | $393,733 | $419,900 Land $106,800 Building $313,100 |
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 at the parcel |
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
5G (outdoors only) and 4G LTE
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