St. Mary's County property record for 45181 Smiths Ln, Callaway, MD 20620
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,215 sqft · built 1971 |
| Lot Size | 0.66 acres (28,749 sqft) |
| Owner | Individual Name on File |
| Last Sale | $202,500 (Feb 2014) |
| Tax Bill | $2,311 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-000873 |
| Primary APN | 02-000873 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,215 sqft Total Area |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 28,749 sqft (0.66 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 000873 |
|---|---|
| Street Address | 45181 SMITHS LN |
| City | CALLAWAY |
| State | MD |
| Zip | 20620-2147 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | 28,749 SQ FT OFF MD RT 249 IRVING'S PLACE |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 2, VALLEY LEE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 876102 |
45181 Smiths Ln is owned and occupied by an individual who bought it in February 2014.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45181 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2014 · Amount on File |
| Deed Sale | Feb 12, 2014 · Amount on File |
| Prior Sale | Jun 26, 2009 |
| Deed Book / Page | 4008 / 783 |
| Prior Transfer Date | Jun 19, 2009 |
| Prior Transfer Doc | 0033140199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 45181 SMITHS LN, CALLAWAY, MD 20620-2129 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 45181 SMITHS LN, CALLAWAY, MD 20620-2129 |
| Document Number | 0060010351 |
|---|---|
| Date | Dec 1, 2021 |
| Book Page | 6001/351 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 1, 2046 |
The 2025 property tax bill for 45181 Smiths Ln was $2,311 with a homeowner's exemption.
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 | $213,700 (+5.17%) | $234,700 (+15.5%) Land $109,900 Building $124,800 | |
| 2025 | $2,311.00 Homeowner's exemption | $203,200 Land $104,400 Building $98,800 | $203,200 Land $104,400 Building $98,800 |
| 2023 | $2,197.00 Homeowner's exemption | $192,733 | $203,200 Land $104,400 Building $98,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45181 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 risk around 45181 Smiths Ln is moderate, ranking above 42% 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 42% of the US · above 82% of Maryland |
|---|---|
| Wildfire Likelihood | 0.07% 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 50 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 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures