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39186 E Cusic Ct, Mechanicsville, MD 20659 Property Records

St. Mary's County property record for 39186 E Cusic Ct, Mechanicsville, MD 20659

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,220 sqft · built 1997
Lot Size2 acres (87,120 sqft)
Owner2 Individual Names on File
Last Sale$323,000 (Jul 2018)
Tax Bill$3,675 (2025)
Deeds & MortgagesJun 2021 Mortgage
Jul 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-049306

Property Details

APN / Parcel Number

Primary APN04-049306
Alternative APNs
  • 4049306
  • 049306

Interior

Full Baths3 Baths
Stories1 Story
Building Area1,220 sqft Total Area
Basement Area915 sqft
Finished Basement915 sqft

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Architectural StyleSplit Foyer
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area87,120 sqft (2 acres)
Garage TypeAttached
Garage Area576 sqft
Parking Spaces2 Parking Spaces
Deck Area256 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number049306
Street Address39186 E CUSIC CT
CityMECHANICSVILLE
StateMD
Zip20659-4931
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD
Legal DescriptionLOT 31 PLAT 40/53 HILLS CORNER ESTATES
Legal SubdivisionHILLS CORNER ESTATES
Legal Lot Number31
JurisdictionST MARY'S MD
Township / Civil Division4, CHAPTICO
Census Block Group3
Census Block3002
Census Tract875201

Owner

39186 E Cusic Ct is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record2 Individual Names on File
Mailing Address39186 E CUSIC CT, MECHANICSVILLE, MD 20659-4931
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
TIAA FSB HOLDINGS INC
Jul 24, 2018Grant Deed, Transfer · Conventional with PMI
TIAA FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 24, 2018 · Amount on File
Deed SaleJul 24, 2018 · Amount on File
Prior SaleAug 9, 2006 · Amount on File
Deed Book / Page4909 / 126
Transfer Doc0000003105
Record UpdatedOct 29, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST MARY'S MD
Property Address39186 E CUSIC CT, MECHANICSVILLE, MD 20659-4931
Transaction TypeMortgage
Record UpdatedOct 26, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058190012
DateJun 21, 2021
Book Page5819/12
Lender
NameTIAA FSB HOLDINGS INC
TypeBank
AddressJACKSONVILLE, FL 32202
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term356 Months
DueFeb 1, 2051

July 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST MARY'S MD
Recording DateJul 24, 2018
Property Address39186 E CUSIC CT, MECHANICSVILLE, MD 20659-4931
Document Number0049090126
Book / Page004909 / 000126
Instrument DateJul 19, 2018
Transaction TypeTransfer
Record UpdatedAug 8, 2018
Title CompanyBLUE CRAB TITLE ESCROW LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$323.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address39186 E CUSIC CT MECHANICSVILLE MD 206594931, MECHANICSVILLE, MD 20659-4931

Mortgage

Document Number49090133
DateJul 24, 2018
Book Page004909/000133
Lender
NameTIAA FSB
AddressJACKSONVILLE, FL 32202
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueJul 23, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 39186 E Cusic Ct was $3,675 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateMaryland
CountySt. Mary's County
Unified School DistrictSt. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$366,767$381,600 Land $118,900 Building $262,700
2025$3,675.00 Homeowner's exemption
2023$3,431.00 Homeowner's exemption$325,900$337,100 Land $125,200 Building $211,900

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

Flood

FEMA maps place 39186 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies7 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 39186 E Cusic Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 44 locations within half a mile, as of December 31, 2025

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

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