38872 Morris Point Rd, Abell, MD 20606 Property Records

St. Mary's County property record for 38872 Morris Point Rd, Abell, MD 20606

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,444 sqft · built 1989
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jan 2021)
Tax Bill	$4,669 (2025)
Deeds & Mortgages	Oct 2021 Transfer Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-021097`

Property Details

APN / Parcel Number

Primary APN	`07-021097`
Alternative APNs	`7021097` `021097`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,444 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	234 sqft
Boat Access	Boat Access
Boat House	722 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	021097
Street Address	38872 MORRIS POINT RD
City	ABELL
State	MD
Zip	20606-2117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	12,632 SQ FT N/S MORRIS PT RD CANOE NECK CREEK
Legal Subdivision	CANOE NECK CREEK
Jurisdiction	ST MARY'S MD
Township / Civil Division	7, MILESTOWN
Census Block Group	2
Census Block	2023
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	38872 MORRIS POINT RD, ABELL, MD 20606-2117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Intrafamily Transfer, Transfer CARDINAL TITLE GROUP LLC
Jan 28, 2021	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Prior Sale	Nov 3, 2004 · Amount on Record
Deed Book / Page	5625 / 248
Transfer Doc	0000002945
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Oct 6, 2021
Property Address	38872 MORRIS POINT RD, ABELL, MD 20606-2117
Document Number	0059400281
Book / Page	5940 / 281
Instrument Date	Jul 26, 2021
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	CARDINAL TITLE GROUP LLC

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	Joint Tenants with Right of Survivorship
Address	38812 MORRIS POINT RD, ABELL, MD 20606

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jan 28, 2021
Property Address	38872 MORRIS POINT RD, ABELL, MD 20606-2117
Document Number	0056250248
Book / Page	5625 / 248
Instrument Date	Jan 5, 2021
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,550.00
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 in Severalty
Address	43467 ROCKFOREST CT, STERLING, VA 20166-2168

Mortgage

Document Number	5625254
Date	Jan 28, 2021
Instrument	5625/254

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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		$462,733 (+9.9%)	$504,400 (-) Land $325,900 Building $178,500
2025	$4,669.00 (+13.66%)	$421,067 (+14.11%)	$504,400 (+32.95%) Land $325,900 Building $178,500
2023	$4,108.00	$369,000	$379,400 Land $235,900 Building $143,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 16 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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