St. Mary's County property record for 45972 Oconnors Ln, Piney Point, MD 20674 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,560 sqft · built 1890 |
| Lot Size | 0.66 acres (28,749 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $343,100 (Jan 2019) |
| Tax Bill | $105 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Mar 2019 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 09-001360 |
| Primary APN | 09-001360 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,560 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 28,749 sqft (0.66 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 448 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 001360 |
|---|---|
| Street Address | 45972 OCONNORS LN |
| City | PINEY POINT |
| State | MD |
| Zip | 20674-3047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 ST GEORGE'S ISLAND |
| Legal Subdivision | THE LATE EPHRAIM CHESSER |
| Legal Lot Number | 5 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 9, ST. GEORGE ISLAND |
| Census Block Group | 1 |
| Census Block | 1073 |
| Census Tract | 876101 |
Source: St. Mary's County records · APN 09-001360
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 Individual Names on File |
|---|---|
| Mailing Address | 268 APPLE FARM RD, BAKERSVILLE, NC 28705-0016 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2020 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC |
| Mar 13, 2019 | Quit Claim Deed, Transfer BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC |
| Jan 04, 2019 | Grant Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 04, 2019 · Amount on Record |
| Deed Sale | Jan 04, 2019 · Amount on Record |
| Prior Sale | Jun 25, 1984 · Amount on Record |
| Deed Book / Page | 5007 / 1 |
| Last Transfer Date | Mar 08, 2019 |
| Transfer Doc | 0050380385 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 45972 OCONNORS LN, PINEY POINT, MD 20674-3047 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2022 |
| Title Company | CROWN SETTLEMENTS |
| Name | Verified Name |
|---|---|
| Address | 45972 OCONNORS LN, PINEY POINT, MD 20674-3047 |
| Document Number | 0055010047 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 5501/47 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Mar 13, 2019 |
| Property Address | 45972 OCONNORS LN, PINEY POINT, MD 20674-3047 |
| Document Number | 0050380385 |
| Book / Page | 005038 / 000385 |
| Instrument Date | Mar 08, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2019 |
| Title Company | BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | PO BOX 291 PINEY POINT MD 206740291, PINEY POINT, MD 20674-0291 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Jan 04, 2019 |
| Property Address | 45972 OCONNORS LN, PINEY POINT, MD 20674-3047 |
| Document Number | 0050070001 |
| Book / Page | 005007 / 000001 |
| Instrument Date | Dec 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2019 |
| Title Company | BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $343.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 45972 OCONNORS LN PINEY POINT MD 20674, PINEY POINT, MD 20674 |
| Document Number | 50070010 |
|---|---|
| Date | Jan 04, 2019 |
| Book Page | 005007/000010 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 03, 2049 |
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 | $388,167 (+0.8%) | $394,300 (+2.39%) Land $136,500 Building $257,800 | |
| 2025 | $105.00 (+5%) | $385,100 (+10.31%) Land $136,500 Building $248,600 | $385,100 (-) Land $136,500 Building $248,600 |
| 2023 | $100.00 Disabled Person's exemption Veteran's exemption | $349,100 | $385,100 Land $136,500 Building $248,600 |
Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), updated May 14, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Wildfire Risk | Low above 32% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 5,263 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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