38215 Palmer Rd, Coltons Point, MD 20626 Property Records

St. Mary's County property record for 38215 Palmer Rd, Coltons Point, MD 20626

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,128 sqft · built 1968
Lot Size	1 acres (43,560 sqft)
Owner	2 Company Names on File
Tax Bill	$2,813 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-012977`

Property Details

APN / Parcel Number

Primary APN	`07-012977`
Alternative APNs	`7012977` `012977`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,128 sqft Total Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Deck Area	56 sqft
Shed	1 Shed
Shed Area	520 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	012977
Street Address	38215 PALMER RD
City	COLTONS POINT
State	MD
Zip	20626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	1 ACRE S/E RT 242
Jurisdiction	ST MARY'S MD
Township / Civil Division	7, MILESTOWN
Census Block Group	3
Census Block	3008
Census Tract	875300

Owner

38215 Palmer Rd is owned by a company that acquired it in January 2018 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	PO BOX 95, COLTONS POINT, MD 20626-0095
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

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	2 Names on Deed
Last Sale	Aug 22, 2007
Deed Sale	Aug 22, 2007
Deed Document Number	2007364
Deed Book / Page	3053 / 325
Last Transfer Date	Jan 11, 2018
Transfer Doc	0048110319
Record Updated	Oct 29, 2026

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST MARY'S MD
Recording Date	Feb 2, 2018
Property Address	38215 PALMER RD, COLTONS POINT, MD 20626
Document Number	0048110319
Book / Page	004811 / 000319
Instrument Date	Jan 11, 2018
Transaction Type	Transfer
Record Updated	Feb 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38215 PALMER RD COLTONS POINT MD 20626, COLTONS POINT, MD 20626

Mortgage

Document Number	48110326
Date	Feb 2, 2018
Book Page	004811/000326

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 38215 Palmer Rd was $2,813 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		$294,467 (+4.85%)	$308,100 (-) Land $120,000 Building $188,100
2025	$2,813.00 Homeowner's exemption	$280,833	$308,100 Land $120,000 Building $188,100
2023	$2,647.00 Homeowner's exemption	$256,000	$267,200 Land $115,000 Building $152,200

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

Flood

FEMA maps place 38215 Palmer Rd 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 38215 Palmer Rd is low, with a 0.02% 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	0.02% 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 34 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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