St. Mary's County property record for 35792 Bay Dr, Chaptico, MD 20621
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,840 sqft · built 1958 |
| Lot Size | 0.34 acres (14,820 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,312 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-001427 |
| Primary APN | 04-001427 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,840 sqft Total Area |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,820 sqft (0.34 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 171 sqft |
| Deck Area | 96 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 001427 |
|---|---|
| Street Address | 35792 BAY DR |
| City | CHAPTICO |
| State | MD |
| Zip | 20621-2224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RNC |
| Legal Description | LT-6, 1/2 OF 5 BLOCK A MILL POINT SHORES |
| Legal Subdivision | MILL PT SHORES |
| Legal Block | A |
| Legal Lot Number | 6 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 4, CHAPTICO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 875202 |
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 | PO BOX 389, CHAPTICO, MD 20621-0389 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2005 |
| Deed Sale | Dec 5, 2005 |
| Prior Sale | Apr 4, 1991 · Amount on Record |
| Deed Document Number | 20051831 |
| Deed Book / Page | 2672 / 26 |
| Prior Transfer Date | Oct 17, 2005 |
| Prior Transfer Doc | 0026720026 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 35792 BAY DR, CHAPTICO, MD 20621-2224 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0061260092 |
|---|---|
| Date | Apr 20, 2022 |
| Book Page | 6126/92 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Dec 1, 2051 |
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 | $363,033 (+12.27%) | $402,700 (-) Land $250,800 Building $151,900 | |
| 2025 | $3,312.00 (+4.98%) Homeowner's exemption | $323,367 (+15.5%) | $402,700 (+41.95%) Land $250,800 Building $151,900 |
| 2023 | $3,155.00 Homeowner's exemption | $279,967 | $283,700 Land $160,800 Building $122,900 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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.
5G (outdoors only) and 4G LTE
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