45165 Smiths Ln, Callaway, MD 20620 Property Records

St. Mary's County property record for 45165 Smiths Ln, Callaway, MD 20620

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,894 sqft · built 2020
Lot Size	4.23 acres (184,259 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Sep 2020)
Tax Bill	$6,021 (2025)
Deeds & Mortgages	Sep 2020 Sale Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-039346`

Property Details

APN / Parcel Number

Primary APN	`02-039346`
Alternative APNs	`2039346` `039346`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,894 sqft Total Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	184,259 sqft (4.23 acres)
Garage Type	Attached
Garage Area	1,160 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	128 sqft
Shed	1 Shed
Shed Area	3,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	039346
Street Address	45165 SMITHS LN
City	CALLAWAY
State	MD
Zip	20620-2147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 5000-1 MARK S KNOTT MINOR SUBD
Legal Subdivision	KNOTT MINOR SUB
Legal Lot Number	1
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	2
Census Block	2021
Census Tract	876102

Owner

45165 Smiths Ln is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	45165 SMITHS LN, CALLAWAY, MD 20620-2147
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Grant Deed, Transfer ATTORNEY ONLY
Sep 1, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 8, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on File
Deed Sale	Sep 1, 2020 · Amount on File
Prior Sale	Jan 8, 2020 · Amount on File
Deed Book / Page	5449 / 280
Prior Transfer Date	Aug 21, 2020
Prior Transfer Doc	0054490276
Record Updated	Oct 29, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Sep 1, 2020
Property Address	45165 SMITHS LN, CALLAWAY, MD 20620-2129
Document Number	0054490280
Book / Page	005449 / 000280
Instrument Date	Aug 21, 2020
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$135.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45171 SMITHS LN CALLAWAY MD 206202129, CALLAWAY, MD 20620-2129

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST MARY'S MD
Recording Date	Sep 1, 2020
Property Address	45165 SMITHS LN, CALLAWAY, MD 20620-2129
Document Number	0054490276
Book / Page	005449 / 000276
Instrument Date	Aug 21, 2020
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45165 SMITHS LN CALLAWAY MD 206202129, CALLAWAY, MD 20620-2129

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jan 8, 2020
Property Address	45165 SMITHS LN, CALLAWAY, MD 20620-2129
Document Number	0052450209
Book / Page	005245 / 000209
Instrument Date	Jan 6, 2020
Transaction Type	Transfer
Record Updated	Jan 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$115.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 922 CALIFORNIA MD 206190922, CALIFORNIA, MD 20619-0922

Tax Assessment & Valuation

The 2025 property tax bill for 45165 Smiths Ln was $6,021 with a homeowner's exemption.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$611,267 (+2.66%)	$643,000 (+7.99%) Land $131,600 Building $511,400
2025	$6,021.00 Homeowner's exemption	$595,400 Land $125,300 Building $470,100	$595,400 Land $125,300 Building $470,100
2023	$5,650.00 Homeowner's exemption	$533,600	$595,400 Land $125,300 Building $470,100

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

Flood

FEMA maps place 45165 Smiths Ln 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 Zone	Zone X minimal risk
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

Wildfire risk around 45165 Smiths Ln is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 85% of Maryland
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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