24319 River Dr, Chaptico, MD 20621 Property Records

St. Mary's County property record for 24319 River Dr, Chaptico, MD 20621

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,614 sqft · built 1942
Lot Size	0.467 acres (20,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Oct 2021)
Tax Bill	$5,702 (2025)
Deeds & Mortgages	May 2021 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-006984`

Property Details

APN / Parcel Number

Primary APN	`04-006984`
Alternative APNs	`4006984` `006984`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,614 sqft Total Area

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,340 sqft (0.467 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	884 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	544 sqft
Porch	Slab
Porch Area	409 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	006984
Street Address	24319 RIVER DR
City	CHAPTICO
State	MD
Zip	20621-2132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOT 13 & 14 BLOCK E PLAT 1/35 MILL POINT SHORES
Legal Subdivision	MILL POINT SHORES
Legal Block	E
Legal Lot Number	13,14
Jurisdiction	ST MARY'S MD
Township / Civil Division	4, CHAPTICO
Census Block Group	1
Census Block	1017
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	24319 RIVER DR, CHAPTICO, MD 20621-2132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 14, 2021	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	Aug 3, 2015 · Amount on Record
Deed Book / Page	5949 / 172
Transfer Doc	0000002056
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	24319 RIVER DR, CHAPTICO, MD 20621-2132
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24319 RIVER DR, CHAPTICO, MD 20621-2132

Mortgage

Document Number	0057700304
Date	May 12, 2021
Book Page	5770/304

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 9, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 14, 2021
Property Address	24319 RIVER DR, CHAPTICO, MD 20621-2132
Document Number	0059490172
Book / Page	5949 / 172
Map Reference	MB CBG 1 FO 35
Instrument Date	Oct 6, 2021
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	SOUTHERN MARYLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,950.00
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	24319 RIVER DR, CHAPTICO, MD 20621-2132

Mortgage

Document Number	5949180
Date	Oct 14, 2021
Instrument	5949/180

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	0059490196
Date	Oct 14, 2021
Book Page	5949/196

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 25, 2051

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		$629,367 (+8.94%)	$681,000 (-) Land $250,400 Building $430,600
2025	$5,702.00 (+7.4%) Homeowner's exemption	$577,733 (+20.03%)	$681,000 (+29.44%) Land $250,400 Building $430,600
2023	$5,309.00	$481,333	$526,100 Land $170,400 Building $355,700

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
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

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 142 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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