St. Mary's County property record for 45225 Blue Water Ln, Piney Point, MD 20674
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,416 sqft · built 2009 |
| Lot Size | 0.5 acres (21,781 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $239,000 (Oct 2009) |
| Tax Bill | $3,174 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-044188 |
| Primary APN | 02-044188 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,416 sqft Total Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 21,781 sqft (0.5 acres) |
| Porch | Slab |
| Porch Area | 72 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 044188 |
|---|---|
| Street Address | 45225 BLUE WATER LN |
| City | PINEY POINT |
| State | MD |
| Zip | 20674-3028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TMX |
| Legal Description | LOT 5 EQ 21,781 SF PLAT 62/8 BLUE WATER SUBD |
| Legal Subdivision | BLUE WATER SUB |
| Legal Lot Number | 5 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 2, VALLEY LEE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 876101 |
45225 Blue Water Ln is owned and occupied by two individuals who bought it in October 2009.
Source: St. Mary's County records, as of September 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45225 BLUE WATER LN, PINEY POINT, MD 20674-3028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2009 · Amount on File |
| Deed Sale | Oct 15, 2009 · Amount on File |
| Deed Document Number | 2009666 |
| Deed Book / Page | 3357 / 199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 45225 BLUE WATER LN, PINEY POINT, MD 20674-3028 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 45225 BLUE WATER LN, PINEY POINT, MD 20674-3028 |
| Document Number | 0058890150 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 5889/150 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 218 Months |
| Due | Oct 1, 2039 |
The 2025 property tax bill for 45225 Blue Water Ln was $3,174.
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 | $307,733 | $342,200 Land $108,600 Building $233,600 | |
| 2025 | $3,174.00 | ||
| 2023 | $2,844.00 | $259,700 | $290,500 Land $118,700 Building $171,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45225 Blue Water Ln in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 2003.
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 |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 45225 Blue Water Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 70% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 33 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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