St. Mary's County property record for 38245 Mount Chance Ln, Clements, MD 20624
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,096 sqft · built 2004 |
| Lot Size | 1.39 acres (60,548 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $369,300 (Oct 2019) |
| Tax Bill | $4,265 (2025) |
| Deeds & Mortgages | Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-037392 |
| Primary APN | 07-037392 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,096 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 60,548 sqft (1.39 acres) |
| Garage Type | Built-in |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 112 sqft |
| Shed | 1 Shed |
| Shed Area | 392 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 037392 |
|---|---|
| Street Address | 38245 MOUNT CHANCE LN |
| City | CLEMENTS |
| State | MD |
| Zip | 20624-2400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 15 SECTION 4 MOUNT CHANCE SUBD |
| Legal Subdivision | MOUNT CHANCE SUB |
| Legal Lot Number | 15 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 7, MILESTOWN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 875300 |
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 | 38245 MOUNT CHANCE LN, CLEMENTS, MD 20624-2400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2019 · Amount on Record |
| Deed Sale | Oct 10, 2019 · Amount on Record |
| Prior Sale | Jan 10, 2005 · Amount on Record |
| Deed Book / Page | 5180 / 253 |
| Transfer Doc | 0022300349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Oct 10, 2019 |
| Property Address | 38245 MOUNT CHANCE LN, CLEMENTS, MD 20624-2400 |
| Document Number | 0051800253 |
| Book / Page | 5180 / 253 |
| Map Reference | MB EWA 35 FO 82 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | BAY COUNTY SETTLEMENTS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,239.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38245 MOUNT CHANCE LN, CLEMENTS, MD 20624-2400 |
| Document Number | 5180262 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 5180/262 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
Source: St. Mary's County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $402,333 (+4.95%) | $421,300 (-) Land $106,900 Building $314,400 | |
| 2025 | $4,265.00 (+13.37%) | $383,367 (+13.86%) | $421,300 (+15.61%) Land $106,900 Building $314,400 |
| 2023 | $3,762.00 | $336,700 | $364,400 Land $106,900 Building $257,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 2 (2003–2007) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jan 2007 · rainfall accumulation |
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.
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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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