St. Mary's County property record for 23844 Old Chaptico Wharf Ln, Chaptico, MD 20621
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,124 sqft · built 1946 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $189,000 (Dec 2010) |
| Tax Bill | $4,127 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-017161 |
| Primary APN | 04-017161 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,124 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 72 sqft |
| Boat Access | Boat Access |
| Heating System | Space Heater |
|---|---|
| Sewer | Connected |
| Account Number | 017161 |
|---|---|
| Street Address | 23844 OLD CHAPTICO WHARF LN |
| City | CHAPTICO |
| State | MD |
| Zip | 20621-2471 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | 21,780 SF ON WICOMICO RIVER |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 4, CHAPTICO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 875202 |
23844 Old Chaptico Wharf Ln is owned and occupied by an individual who bought it in December 2010.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23844 OLD CHAPTICO WHARF LN, CHAPTICO, MD 20621-2471 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2010 · Amount on File |
| Deed Sale | Dec 29, 2010 · Amount on File |
| Prior Sale | Oct 14, 2008 |
| Deed Document Number | 20101245 |
| Deed Book / Page | 3523 / 785 |
| Prior Transfer Date | Oct 13, 2008 |
| Prior Transfer Doc | 0032170673 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 23844 Old Chaptico Wharf Ln was $4,127 with a homeowner's exemption.
Source: St. Mary's County assessment roll, as of September 22, 2026
| 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 | $390,067 (+4.12%) | $405,500 (-) Land $322,200 Building $83,300 | |
| 2025 | $4,127.00 Homeowner's exemption | $374,633 | $405,500 Land $322,200 Building $83,300 |
| 2023 | $3,955.00 Homeowner's exemption | $354,767 | $359,200 Land $292,200 Building $67,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23844 Old Chaptico Wharf Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| 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 risk around 23844 Old Chaptico Wharf Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
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