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  5. Lighthouse Rd

45230 Lighthouse Rd, Piney Point, MD 20674 Property Records

St. Mary's County property record for 45230 Lighthouse Rd, Piney Point, MD 20674 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,194 sqft · built 2014
Lot Size0.73 acres (31,789 sqft)
Owner2 Company Names on File
Last Sale$525,000 (Mar 2021)
Tax Bill$5,134 (2025)
Deeds & MortgagesJan 2023 Second Mortgage
Mar 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN02-004402

Property Details

APN / Parcel Number

Primary APN02-004402
Alternative APNs
  • 2004402
  • 004402

Interior

Full Baths3 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area2,194 sqft Total Area
Basement Area800 sqft
Finished Basement800 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area31,789 sqft (0.73 acres)
Garage TypeBasement
Garage Area1,256 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area320 sqft
Deck Area120 sqft
Patio Area200 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number004402
Street Address45230 LIGHTHOUSE RD
CityPINEY POINT
StateMD
Zip20674-3007
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionP 19 & PT LT 58 PINEY POINT BEACH
Legal SubdivisionWARREN TOLSONS SUB
Legal Lot Number58
JurisdictionST MARY'S MD
Township / Civil Division2, VALLEY LEE
Census Block Group3
Census Block3012
Census Tract876101

Owner

Source: St. Mary's County records · APN 02-004402

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 Record2 Company Names on File
Mailing Address45246 LIGHTHOUSE RD, PINEY POINT, MD 20674-3007
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Jan 27, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Mar 10, 2021Deed, Transfer · VA Mortgage
GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 10, 2021 · Amount on Record
Deed SaleMar 10, 2021 · Amount on Record
Prior SaleJul 01, 2004 · Amount on Record
Deed Book / Page5683 / 480
Last Transfer DateOct 29, 2024
Transfer Doc0066040250
Record UpdatedSep 20, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST MARY'S MD
Property Address45230 LIGHTHOUSE RD, PINEY POINT, MD 20674-3007
Transaction TypeMortgage
Record UpdatedFeb 13, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address45230 LIGHTHOUSE RD, PINEY POINT, MD 20674-3007

Mortgage

Document Number0062890102
DateJan 27, 2023
Book Page6289/102
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueJan 01, 2043

March 2021: Deed, Transfer

Document TypeDeed
JurisdictionST MARY'S MD
Recording DateMar 10, 2021
Property Address45230 LIGHTHOUSE RD, PINEY POINT, MD 20674-3007
Document Number0056830480
Book / Page5683 / 480
Instrument DateMar 02, 2021
Transaction TypeTransfer
Record UpdatedJun 03, 2021
Title CompanyBAY COUNTY TITLE LLC, BAY COUNTY T&E LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$6,262.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address45230 LIGHTHOUSE RD, PINEY POINT, MD 20674-3007

Mortgage

Document Number5683487
DateMar 10, 2021
Instrument5683/487
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountySt. Mary's County
Unified School DistrictSt. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$489,767 (+2.91%)$517,500 (+8.74%) Land $111,000 Building $406,500
2025$5,134.00 (+19.9%)$475,900 (+20.25%) Land $105,400 Building $370,500$475,900 (-) Land $105,400 Building $370,500
2023$4,282.00$395,767$475,900 Land $105,400 Building $370,500

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation5.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 221 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies227 units insured
6 under condo master policies
Nearby Flood Claims16 (2003–2022)
Claims Outside the SFHA3 of 16
Most Recent ClaimDec 2022, river or lake flooding
Claims By Storm
  • Hurricane Isabel, Sep 2003 · 5 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

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

ProviderTechnologyDownload / Upload (Mbps)
Cogeco Cable Holdings IICable1,000 / 50

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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