38303 Palmer Rd, Coltons Point, MD 20626 Property Records

St. Mary's County property record for 38303 Palmer Rd, Coltons Point, MD 20626

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,215 sqft · built 1993
Lot Size	5.78 acres (251,777 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (May 2018)
Tax Bill	$9,969 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-022158`

Property Details

APN / Parcel Number

Primary APN	`07-022158`
Alternative APNs	`7022158` `022158`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,215 sqft Total Area
Utility Area	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	251,777 sqft (5.78 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	2,450 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	669 sqft
Deck Area	480 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022158
Street Address	38303 PALMER RD
City	COLTONS POINT
State	MD
Zip	20626-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	5.78 ACRES PLAT 33/127 FRIENDLY HALL FARMS
Jurisdiction	ST MARY'S MD
Township / Civil Division	7, MILESTOWN
Census Block Group	3
Census Block	3008
Census Tract	875300

Owner

38303 Palmer Rd is owned by two individuals who acquired it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	38285 PALMER RD, COLTONS POINT, MD 20626-2016
Owner Type	Individual

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

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BANK USA
Sep 3, 2019	Intrafamily Transfer, Transfer · ARM PRESIDENTIAL BANK FSB
May 2, 2018	Special Warranty Deed, Construction Loan · Construction Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2018 · Amount on File
Deed Sale	May 2, 2018 · Amount on File
Prior Sale	Dec 14, 2016 · Amount on File
Deed Book / Page	4861 / 356
Last Transfer Date	Aug 28, 2019
Transfer Doc	0051490333
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	38303 PALMER RD, COLTONS POINT, MD 20626-2022
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057070063
Date	Mar 26, 2021
Book Page	5707/63

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.7%
Index	1-Year LIBOR
Max Rate	7.7%

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Sep 3, 2019
Property Address	38303 PALMER RD, COLTONS POINT, MD 20626-2022
Document Number	0051490333
Book / Page	5149 / 333
Instrument Date	Aug 28, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38285 PALMER RD, COLTONS POINT, MD 20626-2016

Mortgage

Document Number	0005149356
Date	Sep 3, 2019
Instrument	5149/356

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

May 2018: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	ST MARY'S MD
Recording Date	May 2, 2018
Property Address	38303 PALMER RD, COLTONS POINT, MD 20626-2022
Document Number	0048610356
Book / Page	4861 / 356
Instrument Date	Apr 25, 2018
Transaction Type	Construction Loan
Record Updated	Aug 11, 2022
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 PEACHTREE ST NE, 303, ATLANTA, GA 30308-3201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38303 PALMER RD, COLTONS POINT, MD 20626-2022

Mortgage

Document Number	0004861361
Date	May 2, 2018
Instrument	4861/361

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

The 2025 property tax bill for 38303 Palmer Rd was $9,969.

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		$980,667 (+7%)	$1,044,800 (-) Land $515,800 Building $529,000
2025	$9,969.00	$916,533	$1,044,800 Land $515,800 Building $529,000
2023	$8,939.00	$820,667	$852,400 Land $428,300 Building $424,100

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

Flood

FEMA maps place 38303 Palmer Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 38303 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 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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