38179 Beach Rd, Coltons Point, MD 20626 Property Records

St. Mary's County property record for 38179 Beach Rd, Coltons Point, MD 20626

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,322 sqft · built 1990
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$549,000 (Nov 2013)
Tax Bill	$15,531 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-021208`

Property Details

APN / Parcel Number

Primary APN	`07-021208`
Alternative APNs	`7021208` `021208`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,848 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Siding
Roof Material	Metal
Lot Area	39,204 sqft (0.9 acres)
View / Lot	Waterfront
Garage Type	Built-in
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	241 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	021208
Street Address	38179 BEACH RD
City	COLTONS POINT
State	MD
Zip	20626-2116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	39,204 SF POINT BLACKISTONE
Jurisdiction	ST MARY'S MD
Township / Civil Division	7, MILESTOWN
Census Block Group	3
Census Block	3008
Census Tract	875300

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	38179 BEACH RD, COLTONS POINT, MD 20626-2116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2020	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWER FCU
Feb 2, 2022	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit SIGNATURE FCU
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOWER
May 29, 2019	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2013 · Amount on Record
Deed Sale	Nov 6, 2013 · Amount on Record
Prior Sale	Sep 10, 2001 · Amount on Record
Deed Book / Page	3977 / 742
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38179 BEACH RD, COLTONS POINT, MD 20626-2116
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052820499
Date	Mar 3, 2020
Book Page	5282/499

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38179 BEACH RD, COLTONS POINT, MD 20626-2116
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	TOWER TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058060404
Date	Jun 9, 2021
Book Page	5806/404

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38179 BEACH RD, COLTONS POINT, MD 20626-2116
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060610121
Date	Feb 2, 2022
Book Page	6061/121

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Sep 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38179 BEACH RD, COLTONS POINT, MD 20626-2116
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061970174
Date	Aug 4, 2022
Book Page	6197/174

Lender

Name	SIGNATURE FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38179 BEACH RD, COLTONS POINT, MD 20626-2116
Document Number	0052820480
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	MEYMAX TITLE AGENCY LLC, MEYMAX TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38179 BEACH RD COLTONS POINT MD 206262116, COLTONS POINT, MD 20626-2116

Mortgage

Document Number	0052820480
Date	Mar 3, 2020
Book Page	005282/000480

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST MARY'S MD
Property Address	38179 BEACH RD, COLTONS POINT, MD 20626-2116
Document Number	0051840296
Instrument Date	May 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	38179 BEACH RD COLTONS POINT MD 206262116, COLTONS POINT, MD 20626-2116

Mortgage

Document Number	0051840296
Date	Oct 16, 2019
Book Page	005184/000296

Lender

Name	WELLS FARGO BK
Type	Bank
Address	BILLINGS, MT 59102

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		$1,537,533 (+116.32%)	$1,609,500 (+118.09%) Land $354,000 Building $1,255,500
2025	$15,531.00 (+103.69%) Homeowner's exemption
2023	$7,625.00 Homeowner's exemption	$710,767	$738,000 Land $294,000 Building $444,000

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 48 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	48 in force
Nearby Flood Claims	22 (1996–2021)
Claims Outside the SFHA	10 of 22
Most Recent Claim	Oct 2021 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 14 claims

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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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