St. Mary's County property record for 45086 Lighthouse Rd, Piney Point, MD 20674
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,440 sqft · built 2006 |
| Lot Size | 0.668 acres (29,109 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $574,000 (Jun 2007) |
| Tax Bill | $6,947 (2025) |
| Deeds & Mortgages | Oct 2023 Transfer Mar 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 02-012839 |
| Primary APN | 02-012839 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,440 sqft Total Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 29,109 sqft (0.668 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 600 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 300 sqft |
| Deck Area | 120 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 012839 |
|---|---|
| Street Address | 45086 LIGHTHOUSE RD |
| City | PINEY POINT |
| State | MD |
| Zip | 20674-3012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL |
| Legal Description | LOT 31 LIGHTHOUSE RD TOLSONS |
| Legal Subdivision | PINEY POINT |
| Legal Lot Number | 31 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 2, VALLEY LEE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 876101 |
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 Company Names on Record |
|---|---|
| Mailing Address | 45086 LIGHTHOUSE RD, PINEY POINT, MD 20674-3012 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Oct 25, 2023 | Intrafamily Transfer, Transfer |
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2007 · Amount on Record |
| Deed Sale | Jun 25, 2007 · Amount on Record |
| Prior Sale | Jul 20, 2005 · Amount on Record |
| Deed Document Number | 20073418 |
| Deed Book / Page | 3023 / 199 |
| Last Transfer Date | Sep 26, 2023 |
| Transfer Doc | 0064180136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Oct 25, 2023 |
| Property Address | 45086 LIGHTHOUSE RD, PINEY POINT, MD 20674-3012 |
| Document Number | 0064180136 |
| Book / Page | 6418 / 136 |
| Map Reference | LB EBA 8 FO 49 |
| Instrument Date | Sep 26, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 45086 LIGHTHOUSE RD, PINEY POINT, MD 20674-3012 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 45086 LIGHTHOUSE RD, PINEY POINT, MD 20674-3012 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | LIGHTHOUSE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0057010074 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 5701/74 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
Source: St. Mary's County assessment roll, as of September 22, 2026
| 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 | $657,700 (+1.58%) | $678,100 (+4.73%) Land $360,000 Building $318,100 | |
| 2025 | $6,947.00 (+11.99%) | $647,500 (+12.12%) Land $342,000 Building $305,500 | $647,500 (-) Land $342,000 Building $305,500 |
| 2023 | $6,203.00 | $577,500 | $647,500 Land $342,000 Building $305,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 221 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 227 units insured incl. 6 condo units |
| Nearby Flood Claims | 16 (2003–2022) |
| Claims Outside the SFHA | 3 of 16 |
| Most Recent Claim | Dec 2022 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
May also be available: T-Mobile.
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