St. Mary's County property record for 45138 Lighthouse Rd, Piney Point, MD 20674 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,350 sqft · built 1945 |
| Lot Size | 0.545 acres (23,780 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,829 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 02-018497 |
| Primary APN | 02-018497 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,350 sqft Total Area |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,780 sqft (0.545 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 567 sqft |
| Boat Access | Boat Access |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 018497 |
|---|---|
| Street Address | 45138 LIGHTHOUSE RD |
| City | PINEY POINT |
| State | MD |
| Zip | 20674-3011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 41 PLAT 8/49 TOLSON |
| Legal Lot Number | 41 |
| 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 · APN 02-018497
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 45138 LIGHTHOUSE RD, PINEY POINT, MD 20674-3011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
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 | $476,133 (+9.25%) | $491,000 (+4.76%) Land $360,000 Building $131,000 | |
| 2025 | $4,829.00 (+6.2%) Homeowner's exemption | ||
| 2023 | $4,547.00 Homeowner's exemption | $435,833 | $468,700 Land $342,000 Building $126,700 |
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
| 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 | 5.0 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 |
| Nearby Flood Claims | 16 (2003–2022) |
| Claims Outside the SFHA | 3 of 16 |
| Most Recent Claim | Dec 2022, river or lake flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 2% of the US · above 4% of Maryland |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 97 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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