23700 Maddox Rd, Chaptico, MD 20621 Property Records

St. Mary's County property record for 23700 Maddox Rd, Chaptico, MD 20621

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,352 sqft · built 1986
Lot Size	2.06 acres (89,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$378,800 (Mar 2025)
Tax Bill	$2,299 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-016440`

Property Details

APN / Parcel Number

Primary APN	`04-016440`
Alternative APNs	`4016440` `016440`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,352 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	89,734 sqft (2.06 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	016440
Street Address	23700 MADDOX RD
City	CHAPTICO
State	MD
Zip	20621-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	2.06 ACRES E/S MD RT 238 CHAPTICO
Legal Subdivision	WICOMICO FIELDS
Jurisdiction	ST MARY'S MD
Township / Civil Division	4, CHAPTICO
Census Block Group	1
Census Block	1044
Census Tract	875202

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	23700 MADDOX RD, CHAPTICO, MD 20621-2415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Mar 24, 2025	Deed, Transfer LIGHTHOUSE TITLE
Aug 27, 2021	Deed of Trust, Mortgage · Line of Credit CEDAR POINT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2025 · Amount on Record
Deed Sale	Mar 24, 2025 · Amount on Record
Prior Sale	Jul 11, 2014 · Amount on Record
Deed Book / Page	6669 / 141
Prior Transfer Date	Feb 19, 2010
Prior Transfer Doc	0034060491
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Recording Date	May 18, 2026
Property Address	23700 MADDOX RD, CHAPTICO, MD 20621-2415
Document Number	6904000185
Book / Page	6904 / 185
Instrument Date	May 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	23700 MADDOX RD, CHAPTICO, MD 20621-2415

Mortgage

Document Number	6904000185,
Date	May 18, 2026
Book Page	6904/185

Lender

Name	NEWREZ LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 24, 2025
Property Address	23700 MADDOX RD, CHAPTICO, MD 20621-2415
Document Number	0066690141
Book / Page	6669 / 141
Instrument Date	Mar 7, 2025
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Tax	$947.00
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	23700 MADDOX RD, CHAPTICO, MD 20621-2415

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23700 MADDOX RD, CHAPTICO, MD 20621-2415
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	BLUE CRAB TITLE ESCROW LLC, BLUE CRAB TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058950146
Date	Aug 27, 2021
Book Page	5895/146

Lender

Name	CEDAR POINT FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$205,333 (+2.89%)	$211,100 (-) Land $121,000 Building $90,100
2025	$2,299.00 (+4.36%)	$199,567 (+4.49%)	$211,100 (+8.93%) Land $121,000 Building $90,100
2023	$2,203.00	$191,000	$193,800 Land $121,000 Building $72,800

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · Tropical Storm Isaias

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	0.03% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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