23695 E Plum Ln, Chaptico, MD 20621 Property Records

St. Mary's County property record for 23695 E Plum Ln, Chaptico, MD 20621 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,117 sqft · built 2019
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Nov 2016)
Tax Bill	$5,859 (2025)
Deeds & Mortgages	Jun 2026 Transfer Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-179886`

Property Details

APN / Parcel Number

Primary APN	`04-179886`
Alternative APN	`179886`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,117 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Type	Built-in
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Slab
Porch Area	222 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	179886
Street Address	23695 E PLUM LN
City	CHAPTICO
State	MD
Zip	20621-2452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 PLATS 74/57, 75/17 WILLIAMS REFUGE
Legal Lot Number	1
Jurisdiction	ST MARY'S MD
Township / Civil Division	4, CHAPTICO
Census Block Group	1
Census Block	1045
Census Tract	875202

Owner

Source: St. Mary's County records · APN 04-179886

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	Individual Name on File
Mailing Address	23695 E PLUM LN, CHAPTICO, MD 20621-2452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Gift Deed, Transfer TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT
Aug 24, 2022	Deed of Trust, Mortgage · Line of Credit CEDAR POINT FCU
Jan 31, 2018	Deed of Trust, Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 28, 2016 · Amount on Record
Deed Sale	Nov 28, 2016 · Amount on Record
Deed Document Number	20164531-301
Deed Book / Page	4531 / 301
Last Transfer Date	Jun 12, 2026
Transfer Doc	6927000197
Record Updated	Sep 20, 2026

June 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jun 18, 2026
Property Address	23695 E PLUM LN, CHAPTICO, MD 20621-2452
Document Number	6927000197
Book / Page	6927 / 197
Instrument Date	Jun 12, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23695 E PLUM LN, CHAPTICO, MD 20621-2452

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23695 E PLUM LN, CHAPTICO, MD 20621-2452
Transaction Type	Mortgage
Record Updated	Sep 08, 2022
Title Company	BLUE CRAB TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062080007
Date	Aug 24, 2022
Book Page	6208/7

Lender

Name	CEDAR POINT FCU
Type	Credit Union
Address	LEXINGTON PARK, MD 20653

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 23, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23695 E PLUM LN, CHAPTICO, MD 20621-2452
Document Number	0048140180
Book / Page	004814 / 000180
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 22, 2018
Title Company	TITLE PROFESSIONALS LIMITED

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23695 E PLUM LN CHAPTICO MD 20621, CHAPTICO, MD 20621

Mortgage

Document Number	0048140180
Date	Feb 08, 2018
Book Page	004814/000180

Lender

Name	PRIVATE INDIVIDUAL
Type	Credit Union
Address	MECHANICSVILLE, VA 23111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 07, 2048

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 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

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		$607,833 (+6.29%)	$643,800 (-) Land $162,700 Building $481,100
2025	$5,859.00 (+6.55%) Homeowner's exemption	$571,867 (+11.36%)	$643,800 (+20.13%) Land $162,700 Building $481,100
2023	$5,499.00 Homeowner's exemption	$513,533	$535,900 Land $162,700 Building $373,200

Flood & Wildfire

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 240378752021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020, rainfall accumulation, Tropical Storm Isaias

Wildfire

Wildfire Risk	Low above 32% of the US · above 68% of Maryland
Wildfire Likelihood	About 1 in 4,545 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 7 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Cogeco Cable Holdings II	Cable	1,000 / 50

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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