St. Mary's County property record for 23545 Mount Chance Ct, Clements, MD 20624 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,385 sqft · built 1989 |
| Lot Size | 1.36 acres (59,242 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $15,000 (Jan 1988) |
| Tax Bill | $3,859 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-036051 |
| Primary APN | 07-036051 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,385 sqft Total Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 59,242 sqft (1.36 acres) |
| Garage Type | Detached |
| Garage Area | 896 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 240 sqft |
| Deck Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 036051 |
|---|---|
| Street Address | 23545 MOUNT CHANCE CT |
| City | CLEMENTS |
| State | MD |
| Zip | 20624-2409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 SECTION 2 PLAT 28/52 CULLINS SUB HURRY DYNARD |
| Legal Subdivision | CULLINS SUB |
| Legal Lot Number | 7 |
| 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 records · APN 07-036051
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 | 23545 MOUNT CHANCE CT, CLEMENTS, MD 20624-2409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 11, 1988 · Amount on Record |
| Deed Sale | Jan 11, 1988 · Amount on Record |
| Deed Book / Page | 394 / 78 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 23545 MOUNT CHANCE CT, CLEMENTS, MD 20624-2409 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 23545 MOUNT CHANCE CT, CLEMENTS, MD 20624-2409 |
| Document Number | 0068690183 |
|---|---|
| Date | Mar 23, 2026 |
| Book Page | 6869/183 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 15, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $401,000 (+5.42%) | $421,600 (-) Land $106,800 Building $314,800 | |
| 2025 | $3,859.00 (+6.51%) Homeowner's exemption | $380,400 (+11.58%) | $421,600 (+17.18%) Land $106,800 Building $314,800 |
| 2023 | $3,623.00 Homeowner's exemption | $340,933 | $359,800 Land $106,800 Building $253,000 |
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 240378753002, 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 11 individual NFIP policies nearby |
| 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 |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 30 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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