49695 Freemans Rd, Dameron, MD 20628 Property Records

St. Mary's County property record for 49695 Freemans Rd, Dameron, MD 20628

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 1985
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Feb 2018)
Tax Bill	$5,028 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-022075`

Property Details

APN / Parcel Number

Primary APN	`01-022075`
Alternative APNs	`1022075` `022075`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Total Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	65,776 sqft (1.51 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	120 sqft
Deck Area	540 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	022075
Street Address	49695 FREEMANS RD
City	DAMERON
State	MD
Zip	20628-3109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	2.10 ACRES S/S FREEMAN'S RD P/O PORTNEY'S OVERSIGHT
Legal Subdivision	PONTNEYS OVERSIGHT
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, 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	49695 FREEMANS RD, DAMERON, MD 20628-3109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 5, 2018	Grant Deed, Transfer · VA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2018 · Amount on Record
Deed Sale	Feb 5, 2018 · Amount on Record
Prior Sale	Oct 5, 2004
Deed Book / Page	4811 / 454
Transfer Doc	0023750334
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	49695 FREEMANS RD, DAMERON, MD 20628-3109
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	PRIORITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056310471
Date	Feb 3, 2021
Book Page	5631/471

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2046

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Feb 5, 2018
Property Address	49695 FREEMANS RD, DAMERON, MD 20628-3109
Document Number	0048110454
Book / Page	004811 / 000454
Instrument Date	Jan 31, 2018
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	49695 FREEMANS RD DAMERON MD 206283109, DAMERON, MD 20628-3109

Mortgage

Document Number	48110463
Date	Feb 5, 2018
Book Page	004811/000463

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2048

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		$524,800 (+6.21%) Land $357,600 Building $167,200	$524,800 (-) Land $357,600 Building $167,200
2025	$5,028.00 (+8.81%) Homeowner's exemption	$494,133 (+14.17%)	$524,800 (+21.26%) Land $357,600 Building $167,200
2023	$4,621.00 Homeowner's exemption	$432,800 Land $307,600 Building $125,200	$432,800 Land $307,600 Building $125,200

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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 8 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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