38060 Mount Wolf Rd, Charlotte Hall, MD 20622 Property Records

St. Mary's County property record for 38060 Mount Wolf Rd, Charlotte Hall, MD 20622

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,180 sqft · built 2006
Lot Size	1 acres (43,560 sqft)
Owner	2 Trust Names on Record
Last Sale	$474,900 (Jun 2006)
Tax Bill	$4,411 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-039975`

Property Details

APN / Parcel Number

Primary APN	`05-039975`
Alternative APNs	`5039975` `039975`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,180 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	206 sqft
Deck Area	201 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	039975
Street Address	38060 MOUNT WOLF RD
City	CHARLOTTE HALL
State	MD
Zip	20622-3139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOT 6 PLAT 22/125 LAND OF WM E GUY, ET AL
Legal Subdivision	WILLIAM E GUY LAND
Legal Lot Number	6
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 Trust Names on Record
Mailing Address	38060 MOUNT WOLF RD, CHARLOTTE HALL, MD 20622-3139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 14, 2017	Trustee's Deed, Construction Loan QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2006 · Amount on Record
Deed Sale	Jun 7, 2006 · Amount on Record
Prior Sale	Sep 28, 2005 · Amount on Record
Deed Document Number	20063926
Deed Book / Page	2791 / 590
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38060 MOUNT WOLF RD, CHARLOTTE HALL, MD 20622-3139
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059200408
Date	Sep 21, 2021
Book Page	5920/408

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Sep 1, 2033

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38060 MOUNT WOLF RD, CHARLOTTE HALL, MD 20622-3139
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38060 MOUNT WOLF RD, CHARLOTT HALL, MD 20622-3139

Mortgage

Document Number	0059990449
Date	Nov 30, 2021
Book Page	5999/449

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38060 MOUNT WOLF RD, CHARLOTTE HALL, MD 20622-3139
Document Number	0049740386
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3060 MT WOLF RD CHARLOTTE HALL MD 20622, CHARLOTTE HALL, MD 20622

Mortgage

Document Number	0049740386
Date	Nov 2, 2018
Book Page	004974/000386

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Nov 1, 2058

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jul 14, 2017
Property Address	38060 MOUNT WOLF RD, CHARLOTTE HALL, MD 20622-3139
Document Number	0046850218
Book / Page	004685 / 000218
Instrument Date	Jun 29, 2017
Transaction Type	Construction Loan
Record Updated	Aug 15, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38060 MOUNT WOLF RD CHARLOTTE HALL MD 206223139, CHARLOTTE HALL, MD 20622-3139

Mortgage

Document Number	0046850218
Date	Jul 14, 2017
Book Page	004685/000218

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 13, 2032

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		$480,767 (+15.38%)	$500,800 (+13.64%) Land $120,000 Building $380,800
2025	$4,411.00 (+7.4%) Homeowner's exemption
2023	$4,107.00 Homeowner's exemption	$416,667	$440,700 Land $110,000 Building $330,700

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
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 67% of the US · above 68% 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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