35902 Bay Dr, Chaptico, MD 20621 Property Records

St. Mary's County property record for 35902 Bay Dr, Chaptico, MD 20621 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,196 sqft · built 1976
Lot Size	0.222 acres (9,660 sqft)
Owner	Individual Name on File
Last Sale	$424,000 (May 2026)
Tax Bill	$3,852 (2025)
Deeds & Mortgages	May 2026 Sale Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-016025`

Property Details

APN / Parcel Number

Primary APN	`04-016025`
Alternative APNs	`4016025` `016025`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,196 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	9,660 sqft (0.222 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	342 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	016025
Street Address	35902 BAY DR
City	CHAPTICO
State	MD
Zip	20621-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 BLOCK A PLAT 1/35 MILL POINT SHORES
Legal Subdivision	MILL PT SHORES
Legal Block	A
Legal Lot Number	27
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 · APN 04-016025

Assessment roll updated August 12, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	35902 BAY DR, CHAPTICO, MD 20621-2223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed, Transfer MILESTONE TITLE INC, MILESTONE TITLE
Jun 05, 2023	Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Jun 05, 2023 · Amount on Record
Deed Book / Page	6899 / 316
Prior Transfer Date	Mar 13, 2026
Prior Transfer Doc	6899000316
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	May 11, 2026
Property Address	35902 BAY DR, CHAPTICO, MD 20621-2223
Document Number	6899000316
Book / Page	6899 / 316
Instrument Date	Mar 13, 2026
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	MILESTONE TITLE INC, MILESTONE TITLE

Transaction

Amount	Amount Recorded
Tax	$42,824.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	35902 BAY DR, CHAPTICO, MD 20621-2223

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jun 05, 2023
Property Address	35902 BAY DR, CHAPTICO, MD 20621-2223
Document Number	0063490069
Book / Page	6349 / 69
Map Reference	MB CBG 1 FO 35
Instrument Date	May 19, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	NOT AVAILABLE, BRENNAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,090.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	35902 BAY DR, CHAPTICO, MD 20621-2223

Mortgage

Document Number	0000634979
Date	Jun 05, 2023
Instrument	6349/79

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jun 01, 2026
Change Frequency	5 Years
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	5-Year TN
Margin	2
Max Rate	11.5%

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$394,933 (+14.58%)	$445,200 (-) Land $260,900 Building $184,300
2025	$3,852.00 (+17.4%)	$344,667 (+18.13%)	$445,200 (+51.22%) Land $260,900 Building $184,300
2023	$3,281.00 (+18.23%)	$291,767 (+0.91%)	$294,400 (-) Land $145,900 Building $148,500
2022	$2,775.00	$289,133	$294,400 Land $145,900 Building $148,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), updated May 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240378752021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020, rainfall accumulation, Tropical Storm Isaias

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 142 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cogeco Cable Holdings II	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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