45193 Dory Ln, Piney Point, MD 20674 Property Records

St. Mary's County property record for 45193 Dory Ln, Piney Point, MD 20674

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,680 sqft · built 2001
Lot Size	0.177 acres (7,694 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,000 (Oct 2022)
Tax Bill	$3,350 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-031817`

Property Details

APN / Parcel Number

Primary APN	`02-031817`
Alternative APNs	`2031817` `031817`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,680 sqft Total Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,694 sqft (0.177 acres)
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	031817
Street Address	45193 DORY LN
City	PINEY POINT
State	MD
Zip	20674-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	LOT 17 PHASE TWO POTOMAC SANDS
Legal Subdivision	POTOMAC SANDS
Legal Phase	2
Legal Lot Number	17
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	3
Census Block	3015
Census Tract	876101

Owner

Source: St. Mary's County records, as of August 18, 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 Record
Mailing Address	45193 DORY LN, PINEY POINT, MD 20674-3019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed, Transfer · Conventional Mortgage KWIK MORTGAGE CORP
Aug 1, 2017	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2022 · Amount on Record
Deed Sale	Oct 14, 2022 · Amount on Record
Prior Sale	Aug 1, 2017 · Amount on Record
Deed Book / Page	6238 / 113
Record Updated	Sep 20, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 14, 2022
Property Address	45193 DORY LN, PINEY POINT, MD 20674-3019
Document Number	0062380113
Book / Page	6238 / 113
Map Reference	MB 35 PL 114
Instrument Date	Oct 7, 2022
Transaction Type	Transfer
Record Updated	Jan 17, 2023
Title Company	VELOCITY NATIONAL TITLE COMPANY, VELOCITY NATIONAL TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45193 DORY LN, PINEY POINT, MD 20674-3019

Mortgage

Document Number	0006238120
Date	Oct 14, 2022
Instrument	6238/120

Lender

Name	KWIK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 1, 2017
Property Address	45193 DORY LN, PINEY POINT, MD 20674-3019
Document Number	0046960025
Book / Page	4696 / 025
Map Reference	MB35 PG114
Instrument Date	Jul 21, 2017
Instrument	4696-025
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,573.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46935 CAMEO LN APT 206, 206, LEXINGTON PARK, MD 20653-6216

Mortgage

Document Number	0004696032
Date	Aug 1, 2017
Instrument	4696-032

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of August 12, 2025

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		$316,700 (+23.15%)	$335,900 (+9.38%) Land $103,400 Building $232,500
2025	$3,350.00 (+18.88%) Homeowner's exemption
2023	$2,818.00	$257,167	$307,100 Land $93,400 Building $213,700

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Isabel, Sep 2003 · 5 claims

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PINEY POINT serves 672 people · EPA ID MD0180034
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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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