St. Mary's County property record for 23975 Millrace Way, Clements, MD 20624
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,788 sqft · built 2003 |
| Lot Size | 15.8 acres (690,426 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $368,456 (Dec 2018) |
| Tax Bill | $4,659 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 04-052188 |
| Primary APN | 04-052188 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,788 sqft Total Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 690,426 sqft (15.8 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 208 sqft |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 052188 |
|---|---|
| Street Address | 23975 MILLRACE WAY |
| City | CLEMENTS |
| State | MD |
| Zip | 20624-2515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | FARMSTEAD 1 N/S BUDD'S CREEK RD HEAD OF THE BAY FARMSTDS |
| Legal Subdivision | HEAD OF THE BAY ESTATES |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 3, LEONARDTOWN |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 875502 |
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 | 23975 MILLRACE WAY, CLEMENTS, MD 20624-2515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE |
| Dec 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE |
| Dec 17, 2018 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2018 · Amount on Record |
| Deed Sale | Dec 17, 2018 · Amount on Record |
| Prior Sale | Aug 24, 2012 · Amount on Record |
| Deed Book / Page | 4996 / 400 |
| Prior Transfer Date | Aug 20, 2012 |
| Prior Transfer Doc | 0037640249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 23975 MILLRACE WAY, CLEMENTS, MD 20624-2515 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TRUSTED TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0056390154 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 5639/154 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 23975 MILLRACE WAY, CLEMENTS, MD 20624-2515 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TRUSTED TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0052190434 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 5219/434 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Dec 17, 2018 |
| Property Address | 23975 MILLRACE WAY, CLEMENTS, MD 20624-2515 |
| Document Number | 0049960400 |
| Book / Page | 4996 / 400 |
| Map Reference | MB EWA 51 PL 54 |
| Instrument Date | Dec 7, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | TRI COUNTY ABSTRACT INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,226.84 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 23975 MILLRACE WAY, CLEMENTS, MD 20624-2515 |
| Document Number | 0004996407 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 4996/407 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
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 | $436,833 (+3.97%) | $453,500 (-) Land $191,200 Building $262,300 | |
| 2025 | $4,659.00 (+8.55%) Homeowner's exemption | $420,167 (+8.79%) | $453,500 (+12.39%) Land $191,200 Building $262,300 |
| 2023 | $4,292.00 | $386,233 | $403,500 Land $191,200 Building $212,300 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
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 | 0.04% 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures