45080 Lighthouse Rd, Piney Point, MD 20674 Property Records

St. Mary's County property record for 45080 Lighthouse Rd, Piney Point, MD 20674 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,875 sqft · built 2004
Lot Size	1.26 acres (55,314 sqft)
Owner	Individual Name on File
Tax Bill	$5,929 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-013002`

Property Details

APN / Parcel Number

Primary APN	`02-013002`
Alternative APNs	`2013002` `013002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,875 sqft Total Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	55,314 sqft (1.26 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	224 sqft
Gazebo	256 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	013002
Street Address	45080 LIGHTHOUSE RD
City	PINEY POINT
State	MD
Zip	20674-3012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 WARREN TOLSON'S SUBD
Legal Lot Number	30
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	3
Census Block	3012
Census Tract	876101

Owner

Source: St. Mary's County records · APN 02-013002

Assessment roll updated August 12, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	45080 LIGHTHOUSE RD, PINEY POINT, MD 20674-3012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 12, 2011
Deed Sale	Oct 12, 2011
Prior Sale	Apr 11, 2002
Deed Document Number	20113624/0770
Deed Book / Page	3624 / 770
Prior Transfer Date	Aug 30, 2011
Prior Transfer Doc	3624000770
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	45080 LIGHTHOUSE RD, PINEY POINT, MD 20674-3012
Transaction Type	Mortgage
Record Updated	Jul 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048630094
Date	May 03, 2018
Book Page	4863/094

Lender

Name	OLD LINE BANK
Type	Bank
Address	BOWIE, MD 20716

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$575,533 (+0.04%)	$576,000 (+0.12%) Land $360,000 Building $216,000
2025	$5,929.00 (+6.39%) Homeowner's exemption	$575,300 (+9.17%) Land $342,000 Building $233,300	$575,300 (-) Land $342,000 Building $233,300
2023	$5,573.00 Homeowner's exemption	$526,967	$575,300 Land $342,000 Building $233,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), updated May 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240378761013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 221 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	227 units insured (6 under condo master policies) 168 of 221 individual policies on primary residences
Nearby Flood Claims	16 (2003–2022)
Claims Outside the SFHA	3 of 16
Most Recent Claim	Dec 2022, river or lake flooding
Flood Events	Hurricane Isabel (Sep 2003), 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.