St. Mary's County property record for 38285 Palmer Rd, Coltons Point, MD 20626
| Property Type | Single Family Home |
|---|---|
| Details | 5.5 ba · 7,956 sqft · built 2008 |
| Lot Size | 17.6 acres (770,576 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,000,000 (Nov 2006) |
| Tax Bill | $22,932 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-032226 |
| Primary APN | 07-032226 |
|---|---|
| Alternative APNs |
|
| Full Baths | 5.5 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Stories | 2 Stories |
| Building Area | 7,956 sqft Total Area |
| Attic | Attic |
| Attic Area | 1,073 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 770,576 sqft (17.6 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 2,009 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Area | 1,200 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 776 sqft |
| Bath House | 2,000 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 032226 |
|---|---|
| Street Address | 38285 PALMER RD |
| City | COLTONS POINT |
| State | MD |
| Zip | 20626-2016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | 17.69 ACS PALMER RD COLTONS POINT |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 7, MILESTOWN |
| Census Block Group | 3 |
| Census Block | 3008 |
| 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 | 38285 PALMER RD, COLTONS POINT, MD 20626-2016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2006 · Amount on Record |
| Deed Sale | Nov 9, 2006 · Amount on Record |
| Prior Sale | Aug 29, 2005 · Amount on Record |
| Deed Document Number | 20061311 |
| Deed Book / Page | 2889 / 265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 38285 PALMER RD, COLTONS POINT, MD 20626-2016 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0056550001 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 5655/1 |
| Name | GOLDMAN SACHS BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10282 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.7% |
| Type Change Date | Oct 1, 2027 |
| Change Frequency | Annually |
| Max Rate At Change | 7.7% |
| Index | 1-Year LIBOR |
| Max Rate | 7.7% |
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 | $2,275,100 (+21.98%) | $2,422,000 (+22.24%) Land $695,100 Building $1,726,900 | |
| 2025 | $22,932.00 (+14.01%) | ||
| 2023 | $20,114.00 | $1,865,167 | $1,981,300 Land $590,100 Building $1,391,200 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
|
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 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
5G and 4G LTE (outdoors only)
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