36044 Bay Dr, Chaptico, MD 20621 Property Records

St. Mary's County property record for 36044 Bay Dr, Chaptico, MD 20621

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,490 sqft · built 1976
Lot Size	0.257 acres (11,200 sqft)
Owner	Individual Name on File
Last Sale	$149,900 (Oct 2014)
Tax Bill	$1,984 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-015568`

Property Details

APN / Parcel Number

Primary APN	`04-015568`
Alternative APNs	`4015568` `015568`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Total Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,200 sqft (0.257 acres)
Porch	Slab
Porch Area	156 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	015568
Street Address	36044 BAY DR
City	CHAPTICO
State	MD
Zip	20621-2208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOT 53 BLOCK A MILL POINT SHORES
Legal Subdivision	MILL PT SHORES
Legal Block	A
Legal Lot Number	53
Jurisdiction	ST MARY'S MD
Township / Civil Division	4, CHAPTICO
Census Block Group	1
Census Block	1017
Census Tract	875202

Owner

36044 Bay Dr is owned and occupied by an individual who bought it in October 2014.

Source: St. Mary's County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	36044 BAY DR, CHAPTICO, MD 20621-2208
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2014 · Amount on File
Deed Sale	Oct 1, 2014 · Amount on File
Prior Sale	Jan 8, 2010 · Amount on File
Deed Book / Page	4086 / 237
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	36044 BAY DR, CHAPTICO, MD 20621-2208
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058800189
Date	Aug 13, 2021
Book Page	5880/189

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 36044 Bay Dr was $1,984 with a homeowner's exemption.

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		$181,933	$190,500 Land $56,700 Building $133,800
2025	$1,984.00 Homeowner's exemption
2023	$1,887.00 Homeowner's exemption	$161,433	$164,800 Land $56,700 Building $108,100

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

Flood

FEMA maps place 36044 Bay Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 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

Wildfire risk around 36044 Bay Dr is low, with a 0.01% annual chance of 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20