39144 E Cusic Ct, Mechanicsville, MD 20659 Property Records

St. Mary's County property record for 39144 E Cusic Ct, Mechanicsville, MD 20659

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,610 sqft · built 1998
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,959 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-049349`

Property Details

APN / Parcel Number

Primary APN	`04-049349`
Alternative APNs	`4049349` `049349`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,610 sqft Total Area
Basement Area	1,421 sqft
Finished Basement	1,421 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	98,010 sqft (2.25 acres)
Garage Type	Basement
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	049349
Street Address	39144 E CUSIC CT
City	MECHANICSVILLE
State	MD
Zip	20659-4931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 34 PLAT 40/53 HILLS CORNER ESTATES
Legal Subdivision	HILLS CORNER ESTATES
Legal Lot Number	34
Jurisdiction	ST MARY'S MD
Township / Civil Division	4, CHAPTICO
Census Block Group	3
Census Block	3002
Census Tract	875201

Owner

39144 E Cusic Ct is owned and occupied by two individuals who acquired it in January 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	39144 E CUSIC CT, MECHANICSVILLE, MD 20659-4931
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 1999
Deed Sale	Jan 13, 1999
Prior Sale	Feb 17, 1998 · Amount on File
Deed Document Number	19991763
Deed Book / Page	1373 / 165
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	39144 E CUSIC CT, MECHANICSVILLE, MD 20659-4931
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047990110
Date	Jan 10, 2018
Book Page	4799/110
Instrument	4799-110

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 39144 E Cusic Ct was $4,959 with a homeowner's exemption.

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		$518,867	$544,200 Land $120,100 Building $424,100
2025	$4,959.00 Homeowner's exemption
2023	$4,623.00 Homeowner's exemption	$452,467	$468,200 Land $126,500 Building $341,700

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

Flood

FEMA maps place 39144 E Cusic Ct in Zone X, an area of minimal flood risk.

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	7 in force

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 39144 E Cusic Ct 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20