45349 Stark Dr, Piney Point, MD 20674 Property Records

St. Mary's County property record for 45349 Stark Dr, Piney Point, MD 20674

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,993 sqft · built 1932
Lot Size	0.298 acres (12,992 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jul 2017)
Tax Bill	$5,595 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-014459`

Property Details

APN / Parcel Number

Primary APN	`02-014459`
Alternative APNs	`2014459` `014459`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,993 sqft Total Area

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,992 sqft (0.298 acres)
View / Lot	Waterfront
Porch	Porch
Porch Area	426 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	014459
Street Address	45349 STARK DR
City	PINEY POINT
State	MD
Zip	20674-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	LOT 4 PLAT 18/394 COURTS SUBD
Legal Subdivision	COURTS SUB
Legal Lot Number	4
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	21061 GELRUD CT, LEXINGTON PARK, MD 20653-4533
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC
Jul 28, 2017	Grant Deed, Transfer · Conventional with PMI CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2017 · Amount on Record
Deed Sale	Jul 28, 2017 · Amount on Record
Deed Document Number	20174693-448
Deed Book / Page	4693 / 448
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	45349 STARK DR, PINEY POINT, MD 20674-3022
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	NOT AVAILABLE, TRI COUNTY ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057330371
Date	Apr 15, 2021
Book Page	5733/371

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jul 28, 2017
Property Address	45349 STARK DR, PINEY POINT, MD 20674-3022
Document Number	0046930448
Book / Page	004693 / 000448
Instrument Date	Jul 25, 2017
Transaction Type	Transfer
Record Updated	Sep 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45349 STARK DR PINEY POINT MD 206743022, PINEY POINT, MD 20674-3022

Mortgage

Document Number	46930454
Date	Jul 28, 2017
Book Page	004693/000454

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 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		$540,200 (+16.67%)	$581,600 (+11.95%) Land $321,700 Building $259,900
2025	$5,595.00 (+12.06%)
2023	$4,993.00	$463,033	$519,500 Land $291,700 Building $227,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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