49643 Cedar Ln, Dameron, MD 20628 Property Records

St. Mary's County property record for 49643 Cedar Ln, Dameron, MD 20628 · Last verified August 2026

Property Summary

Property Type	Rural Home
Details	1.5 ba · 1,056 sqft · built 1990
Lot Size	14.2 acres (618,552 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Nov 2019)
Tax Bill	$3,796 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-013890`

Property Details

APN / Parcel Number

Primary APN	`01-013890`
Alternative APNs	`1013890` `013890`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,056 sqft Total Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	618,552 sqft (14.2 acres)
View / Lot	Waterfront
Deck Area	121 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	013890
Street Address	49643 CEDAR LN
City	DAMERON
State	MD
Zip	20628-3107
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	14.203 ACRES PLAT 20/98 CALBERTA
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	4
Census Block	4001
Census Tract	876200

Owner

Source: St. Mary's County records · APN 01-013890

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	49643 CEDAR LN, DAMERON, MD 20628-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 02, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 14, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST FCU
Dec 02, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 19, 2019	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Aug 01, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 19, 2019 · Amount on Record
Deed Sale	Nov 19, 2019 · Amount on Record
Prior Sale	Jan 11, 2005
Deed Book / Page	5208 / 245
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	49643 CEDAR LN, DAMERON, MD 20628-3107
Transaction Type	Mortgage
Record Updated	Dec 16, 2025
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060030084
Date	Dec 02, 2021
Book Page	6003/84

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	49643 CEDAR LN, DAMERON, MD 20628-3107
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49643 CEDAR LN, DAMERON, MD 20628-3107

Mortgage

Document Number	0064630446
Date	Feb 14, 2024
Book Page	6463/446

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2044

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	49643 CEDAR LN, DAMERON, MD 20628-3107
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060030084
Date	Dec 02, 2021
Book Page	6003/84

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Nov 19, 2019
Property Address	49643 CEDAR LN, DAMERON, MD 20628-3107
Document Number	0052080245
Book / Page	5208 / 245
Instrument Date	Nov 15, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	49643 CEDAR LN, DAMERON, MD 20628-3107

Mortgage

Document Number	0005208253
Date	Nov 19, 2019
Instrument	5208/253

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 01, 2018
Property Address	49643 CEDAR LN, DAMERON, MD 20628-3107
Document Number	0049140356
Book / Page	004914 / 000356
Instrument Date	Jul 16, 2018
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	336 ORCHARD GROVE WAY CAMDEN DE 199344931, CAMDEN, DE 19934-4931

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 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

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		$400,400 (+19.56%) Land $317,900 Building $82,500	$400,400 (+19.56%) Land $317,900 Building $82,500
2025	$3,796.00 (+8.61%) Homeowner's exemption
2023	$3,495.00 Homeowner's exemption	$334,900 Land $272,900 Building $62,000	$334,900 Land $272,900 Building $62,000

Flood & Wildfire

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 240378762004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 136 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	107 (1985–2022)
Claims Outside the SFHA	38 of 107
Most Recent Claim	Oct 2022, tidal / storm surge
Claims By Storm	Hurricane Irene, Aug 2011 · 6 claims Hurricane Isabel, Sep 2003 · 46 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 86% of Maryland
Wildfire Likelihood	About 1 in 1,351 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cogeco Cable Holdings II	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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