38820 Mount Wolf Rd, Charlotte Hall, MD 20622 Property Records

St. Mary's County property record for 38820 Mount Wolf Rd, Charlotte Hall, MD 20622

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,816 sqft · built 1983
Lot Size	5 acres (217,800 sqft)
Owner	2 Trust Names on Record
Last Sale	$394,500 (Sep 2005)
Tax Bill	$3,435 (2025)
Flood Zone	Zone X (minimal risk)
APN	`05-039541`

Property Details

APN / Parcel Number

Primary APN	`05-039541`
Alternative APNs	`5039541` `039541`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,816 sqft Total Area
Utility Area	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	533 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	039541
Street Address	38820 MOUNT WOLF RD
City	CHARLOTTE HALL
State	MD
Zip	20622-3216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	5.00 ACRES PLAT 19/83 LAND OF JOSEPH A FOWLER
Jurisdiction	ST MARY'S MD
Township / Civil Division	5, MECHANICSVILLE
Census Block Group	3
Census Block	3003
Census Tract	875100

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 Trust Names on Record
Mailing Address	38820 MOUNT WOLF RD, CHARLOTTE HALL, MD 20622-3216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2005 · Amount on Record
Deed Sale	Sep 16, 2005 · Amount on Record
Prior Sale	Dec 28, 2001 · Amount on Record
Deed Document Number	2005789
Deed Book / Page	2612 / 626
Transfer Doc	0017320710
Record Updated	Oct 29, 2026

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		$334,433 (+5.31%)	$351,300 (-) Land $140,000 Building $211,300
2025	$3,435.00 (+7.14%) Homeowner's exemption	$317,567 (+8.92%)	$351,300 (+16.83%) Land $140,000 Building $211,300
2023	$3,206.00 Homeowner's exemption	$291,567	$300,700 Land $130,000 Building $170,700

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2020 · other causes

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.03% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30