St. Mary's County property record for 45382 Locust St, Piney Point, MD 20674
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,404 sqft · built 1952 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Nov 2018) |
| Tax Bill | $2,422 (2025) |
| Deeds & Mortgages | Dec 2020 Loan Modification Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-009919 |
| Primary APN | 02-009919 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,404 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 14,000 sqft (0.321 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 54 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 009919 |
|---|---|
| Street Address | 45382 LOCUST ST |
| City | PINEY POINT |
| State | MD |
| Zip | 20674-3110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TMX |
| Legal Description | LOT 37 THRU 43 BLOCK 17 PINEY POINT SHORES |
| Legal Subdivision | PINEY POINT SHORES SUBDIVISION |
| Legal Block | 17 |
| Legal Lot Number | 37-43 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 2, VALLEY LEE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 876101 |
45382 Locust St is owned and occupied by two individuals who bought it in November 2018.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45382 LOCUST ST, PINEY POINT, MD 20674-3110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 4, 2020 | Loan Modification, Mortgage · VA Mortgage USAA |
| Nov 30, 2018 | Deed, Transfer · VA Mortgage USAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2018 · Amount on File |
| Deed Sale | Nov 30, 2018 · Amount on File |
| Prior Sale | Feb 1, 2018 · Amount on File |
| Deed Book / Page | 4987 / 405 |
| Prior Transfer Date | Sep 11, 2013 |
| Prior Transfer Doc | 0039820647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 45382 LOCUST ST, PINEY POINT, MD 20674-3110 |
| Document Number | 0055920074 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2021 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 45382 LOCUST ST PINEY POINT MD 206743110, PINEY POINT, MD 20674-3110 |
| Document Number | 0055920074 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 005592/000074 |
| Name | USAA |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 29, 2050 |
| Rate | 3% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Nov 30, 2018 |
| Property Address | 45382 LOCUST ST, PINEY POINT, MD 20674-3110 |
| Document Number | 0049870405 |
| Book / Page | 4987 / 405 |
| Map Reference | MB JMM4 FO372 |
| Instrument Date | Nov 16, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | TRI COUNTY ABSTRACT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45382 LOCUST ST, PINEY POINT, MD 20674-3110 |
| Document Number | 0004987414 |
|---|---|
| Date | Nov 30, 2018 |
| Instrument | 4987/414 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2048 |
The 2025 property tax bill for 45382 Locust St was $2,422 with a homeowner's exemption.
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 | $264,200 | $292,600 Land $103,400 Building $189,200 | |
| 2025 | $2,422.00 Homeowner's exemption | ||
| 2023 | $2,280.00 Homeowner's exemption | $231,333 | $250,000 Land $98,400 Building $151,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45382 Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 45382 Locust St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% 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.
Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable · Fiber in parts of the area | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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