38300 Palmer Rd, Coltons Point, MD 20626 Property Records

St. Mary's County property record for 38300 Palmer Rd, Coltons Point, MD 20626

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,356 sqft · built 2023
Lot Size	4.56 acres (198,634 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Dec 2021)
Tax Bill	$10,512 (2025)
Deeds & Mortgages	Aug 2022 Construction Loan Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-022212`

Property Details

APN / Parcel Number

Primary APN	`07-022212`
Alternative APNs	`7022212` `022212`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,356 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	198,634 sqft (4.56 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	3,427 sqft
Parking Spaces	11 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	756 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022212
Street Address	38300 PALMER RD
City	COLTONS POINT
State	MD
Zip	20626-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACTS 1 & 2 PLAT 33/125 FRIENDLY HALL FARM
Legal Tract	1,2
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	38300 PALMER RD, COLTONS POINT, MD 20626-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Construction Mortgage WESBANCO BANK INC
Dec 20, 2021	Deed, Transfer BAYVIEW TITLE, BAYVIEW TITLE LLC
Dec 17, 2020	Grant Deed, Transfer EAGLE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	Dec 17, 2020 · Amount on Record
Deed Book / Page	6020 / 218
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38300 PALMER RD, COLTONS POINT, MD 20626-2021
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 COVE VIEW DR, SAINT LEONARD, MD 20685-3007

Mortgage

Document Number	0062000320
Date	Aug 11, 2022
Book Page	6200/320

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 1, 2037
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.75%
Index	1-Year CMT
Margin	3
Max Rate	9.75%

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Dec 20, 2021
Property Address	38300 PALMER RD, COLTONS POINT, MD 20626-2021
Document Number	0060200218
Book / Page	6020 / 218
Map Reference	LB 33 FO 126
Instrument Date	Dec 16, 2021
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	BAYVIEW TITLE, BAYVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$8,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38300 PALMER RD, COLTONS POINT, MD 20626-2021

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Dec 17, 2020
Property Address	38300 PALMER RD, COLTONS POINT, MD 20626-2021
Document Number	0055780446
Book / Page	005578 / 000446
Instrument Date	Nov 24, 2020
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Tax	$405.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1243 CROCKETT LN SILVER SPRING MD 209046658, SILVER SPRING, MD 20904-6658

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		$1,075,600 (+73.42%)	$1,146,000 (+72.02%) Land $496,200 Building $649,800
2025	$10,512.00 (+54.7%) Homeowner's exemption
2023	$6,795.00	$620,233	$666,200 Land $410,100 Building $256,100

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 AE, 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 93% of the US · lower than 85% 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 40 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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