45395 Locust St, Piney Point, MD 20674 Property Records

St. Mary's County property record for 45395 Locust St, Piney Point, MD 20674

Property Summary

Property Type	Single Family Home
Details	1 ba · 684 sqft · built 1934
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$47,650 (Oct 1999)
Tax Bill	$1,476 (2025)
Flood Zone	Zone X (minimal risk)
APN	`02-012790`

Property Details

APN / Parcel Number

Primary APN	`02-012790`
Alternative APNs	`2012790` `012790`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	684 sqft Total Area

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,400 sqft (0.193 acres)
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	012790
Street Address	45395 LOCUST ST
City	PINEY POINT
State	MD
Zip	20674-3111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TMX
Legal Description	LOT 19, 20, 21 BLOCK 20 PLAT 4/372 PINEY POINT SHORES
Legal Subdivision	PINEY PT SHORES
Legal Block	20
Legal Lot Number	19-21
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	3
Census Block	3007
Census Tract	876101

Owner

Source: St. Mary's County records, as of September 22, 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	45395 LOCUST ST, PINEY POINT, MD 20674-3111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 1999 · Amount on Record
Deed Sale	Oct 4, 1999 · Amount on Record
Prior Sale	Dec 9, 1991 · Amount on Record
Deed Document Number	1999889
Deed Book / Page	1471 / 116
Transfer Doc	0000002311
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of September 22, 2026

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		$132,733 (+5.51%)	$138,600 (+6.78%) Land $103,600 Building $35,000
2025	$1,476.00 (+3.29%) Homeowner's exemption
2023	$1,429.00 Homeowner's exemption	$125,800	$129,800 Land $98,700 Building $31,100

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 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 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 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.

Internet Providers

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