St. Mary's County property record for 45321 Stark Dr, Piney Point, MD 20674 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,769 sqft · built 1949 |
| Lot Size | 0.675 acres (29,400 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,346 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 02-021498 |
| Primary APN | 02-021498 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,769 sqft Total Area |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 29,400 sqft (0.675 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 138 sqft |
| Deck Area | 256 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 021498 |
|---|---|
| Street Address | 45321 STARK DR |
| City | PINEY POINT |
| State | MD |
| Zip | 20674-3022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 9 & 10 PLAT 18/394 COURTS SUB |
| Legal Subdivision | COURTS SUB |
| Legal Lot Number | 9,10 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 2, VALLEY LEE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 876101 |
Source: St. Mary's County records · APN 02-021498
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 Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 45321 STARK DR, PINEY POINT, MD 20674-3022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 45321 STARK DR, PINEY POINT, MD 20674-3022 |
| Document Number | 0052580067 |
| Instrument Date | Dec 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 45321 STARK DR PINEY POINT MD 206743022, PINEY POINT, MD 20674-3022 |
| Document Number | 0052580067 |
|---|---|
| Date | Jan 27, 2020 |
| Book Page | 005258/000067 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 26, 2040 |
Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $424,000 (+1.95%) | $440,200 (+5.84%) Land $336,700 Building $103,500 | |
| 2025 | $4,346.00 (+6.13%) Homeowner's exemption | $415,900 (+6.85%) Land $315,700 Building $100,200 | $415,900 (-) Land $315,700 Building $100,200 |
| 2023 | $4,095.00 Homeowner's exemption | $389,233 | $415,900 Land $315,700 Building $100,200 |
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
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 221 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 227 units insured 6 under condo master policies |
| Nearby Flood Claims | 16 (2003–2022) |
| Claims Outside the SFHA | 3 of 16 |
| Most Recent Claim | Dec 2022, river or lake flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 1% of the US · above 2% of Maryland |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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