30655 Chappelear Dr, Charlotte Hall, MD 20622 Property Records

St. Mary's County property record for 30655 Chappelear Dr, Charlotte Hall, MD 20622

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,132 sqft · built 1978
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,800 (Oct 1991)
Tax Bill	$2,571 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-028043`

Property Details

APN / Parcel Number

Primary APN	`05-028043`
Alternative APNs	`5028043` `028043`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,132 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Porch	Porch
Porch Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	028043
Street Address	30655 CHAPPELEAR DR
City	CHARLOTTE HALL
State	MD
Zip	20622-3206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOT 7 SECTION 2 PLAT 12/45 KNOLLAND
Legal Subdivision	KNOLLAND
Legal Lot Number	7
Jurisdiction	ST MARY'S MD
Township / Civil Division	5, MECHANICSVILLE
Census Block Group	3
Census Block	3002
Census Tract	875100

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	30655 CHAPPELEAR DR, CHARLOTTE HALL, MD 20622-3206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Mar 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Feb 1, 2017	Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 1991 · Amount on Record
Deed Sale	Oct 2, 1991 · Amount on Record
Deed Book / Page	622 / 141
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	30655 CHAPPELEAR DR, CHARLOTTE HALL, MD 20622-3206
Transaction Type	Mortgage
Record Updated	Jun 3, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057050178
Date	Mar 25, 2021
Book Page	5705/178

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	30655 CHAPPELEAR DR, CHARLOTTE HALL, MD 20622-3206
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046050313
Date	Mar 16, 2017
Book Page	4605/313
Instrument	4605-313

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST MARY'S MD
Property Address	30655 CHAPPELEAR DR, CHARLOTTE HALL, MD 20622-3206
Document Number	0046050334
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Jun 26, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30655 CHAPPELEAR DR CHARLOTTE HALL MD 206223206, CHARLOTTE HALL, MD 20622-3206

Mortgage

Document Number	0046050334
Date	Mar 16, 2017
Book Page	004605/000334

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$349,333 (+15.53%)	$367,100 (+16.99%) Land $115,200 Building $251,900
2025	$2,571.00 (+3.38%) Homeowner's exemption
2023	$2,487.00 Homeowner's exemption	$302,367	$313,800 Land $110,400 Building $203,400

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	2 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2020 · other causes

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 66% of the US · above 70% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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