St. Mary's County property record for 39205 Bowles Ln, Clements, MD 20624
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,388 sqft · built 2011 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,948 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-059743 |
| Primary APN | 04-059743 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,388 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Mixed |
| Garage Area | 1,338 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 420 sqft |
| Deck Area | 228 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 059743 |
|---|---|
| Street Address | 39205 BOWLES LN |
| City | CLEMENTS |
| State | MD |
| Zip | 20624-2222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 1 PLAT 68/77 HILLS & MEADOWS SUB |
| Legal Subdivision | MEADOWS SUB |
| Legal Lot Number | 1 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 4, CHAPTICO |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 875201 |
39205 Bowles Ln is owned and occupied by two individuals who acquired it in June 2011.
Source: St. Mary's County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39205 BOWLES LN, CLEMENTS, MD 20624-2222 |
| 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.
| Date | Document |
|---|---|
| Apr 4, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Nov 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| May 16, 2017 | Deed of Trust, Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 14, 2011 |
| Transfer Doc | 0035870432 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 39205 BOWLES LN, CLEMENTS, MD 20624-2222 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 39205 BOWLES LN, CLEMENTS, MD 20624-2222 |
| Document Number | 0063180063 |
|---|---|
| Date | Apr 4, 2023 |
| Book Page | 6318/63 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 39205 BOWLES LN, CLEMENTS, MD 20624-2222 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LIGHTHOUSE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0055350319 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 5535/319 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 39205 BOWLES LN, CLEMENTS, MD 20624-2222 |
| Document Number | 0046550185 |
| Book / Page | 004655 / 000185 |
| Instrument Date | May 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 39205 BOWLES LN CLEMENTS MD 206242222, CLEMENTS, MD 20624-2222 |
| Document Number | 0046550185 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 004655/000185 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | May 30, 2032 |
The 2025 property tax bill for 39205 Bowles Ln was $5,948 with a homeowner's exemption.
Source: St. Mary's County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $653,500 (+5.93%) | $690,100 (-) Land $126,000 Building $564,100 | |
| 2025 | $5,948.00 Homeowner's exemption | $616,900 | $690,100 Land $126,000 Building $564,100 |
| 2023 | $5,570.00 Homeowner's exemption | $544,333 | $580,300 Land $126,000 Building $454,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39205 Bowles Ln in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| 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 risk around 39205 Bowles Ln 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 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 |
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