49646 Wills Rd, Dameron, MD 20628 Property Records

St. Mary's County property record for 49646 Wills Rd, Dameron, MD 20628

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,490 sqft · built 2005
Lot Size	10.4 acres (453,329 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,762 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-030906`

Property Details

APN / Parcel Number

Primary APN	`01-030906`
Alternative APNs	`1030906` `030906`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,490 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	453,329 sqft (10.4 acres)
View / Lot	Waterfront
Garage Type	Built-in
Garage Area	837 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	030906
Street Address	49646 WILLS RD
City	DAMERON
State	MD
Zip	20628-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 500-5 ELIZABETH MANOR
Legal Subdivision	ELIZABETH MANOR
Legal Lot Number	500-5
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	4
Census Block	4001
Census Tract	876200

Owner

49646 Wills Rd is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 24, DAMERON, MD 20628-0024
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 7, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2004
Deed Sale	Oct 15, 2004
Prior Sale	Aug 28, 2001 · Amount on File
Deed Document Number	20041240
Deed Book / Page	2382 / 307
Last Transfer Date	Mar 31, 2021
Transfer Doc	0057210426
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	49646 WILLS RD, DAMERON, MD 20628-3126
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059620378
Date	Oct 26, 2021
Book Page	5962/378

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	177 Months
Due	Jul 1, 2036

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Apr 7, 2021
Property Address	49646 WILLS RD, DAMERON, MD 20628-3126
Document Number	0057210426
Book / Page	5721 / 426
Map Reference	LB 78 FO 74
Instrument Date	Mar 31, 2021
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	49636 WILLS RD, DAMERON, MD 20628-3126

Tax Assessment & Valuation

The 2025 property tax bill for 49646 Wills Rd was $7,762 with a homeowner's exemption.

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		$818,000 (+6.13%) Land $450,500 Building $367,500	$818,000 (-) Land $450,500 Building $367,500
2025	$7,762.00 Homeowner's exemption	$770,733	$818,000 Land $450,500 Building $367,500
2023	$7,130.00	$676,200 Land $400,500 Building $275,700	$676,200 Land $400,500 Building $275,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 49646 Wills Rd 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 136 policies
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 Event	Hurricane Irene, Aug 2011 · 6 claims Hurricane Isabel, Sep 2003 · 46 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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

Wildfire risk around 49646 Wills Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · above 89% of Maryland
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Breezeline Cable	1,000 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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