St. Mary's County property record for 49722 Cedar Ln, Dameron, MD 20628 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,132 sqft · built 1974 |
| Lot Size | 3.27 acres (142,441 sqft) |
| Owner | Individual Name on File |
| Last Sale | $590,000 (Sep 2022) |
| Tax Bill | $165 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-013157 |
| Primary APN | 01-013157 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,132 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 142,441 sqft (3.27 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 825 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 55 sqft |
| Deck Area | 144 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 013157 |
|---|---|
| Street Address | 49722 CEDAR LN |
| City | DAMERON |
| State | MD |
| Zip | 20628-3105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 PLAT 6/95 ST JEROME'S LANDING |
| Legal Subdivision | SCOTLAND BEACH |
| Legal Lot Number | 3 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 876200 |
Source: St. Mary's County records · APN 01-013157
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 | Individual Name on File |
|---|---|
| Mailing Address | 49722 CEDAR LN, DAMERON, MD 20628-3105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 26, 2022 | Deed, Transfer · VA Mortgage STRONG HOME MORTGAGE LLC |
| Mar 31, 2017 | Deed of Trust, Mortgage · Conventional with PMI TOWNEBANK MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 26, 2022 · Amount on Record |
| Deed Sale | Sep 26, 2022 · Amount on Record |
| Prior Sale | Sep 02, 2014 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 49722 CEDAR LN, DAMERON, MD 20628-3105 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0057770111 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 5777/111 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Sep 26, 2022 |
| Property Address | 49722 CEDAR LN, DAMERON, MD 20628-3105 |
| Document Number | 0062250188 |
| Book / Page | 6225 / 188 |
| Map Reference | MB CBG 6 FO 95 |
| Instrument Date | Sep 14, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2022 |
| Title Company | VELOCITY NATIONAL TITLE COMPANY, VELOCITY NATIONAL TTL CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49722 CEDAR LN, DAMERON, MD 20628-3105 |
| Document Number | 0006225194 |
|---|---|
| Date | Sep 26, 2022 |
| Instrument | 6225/194 |
| Name | STRONG HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 49722 CEDAR LN, DAMERON, MD 20628-3105 |
| Document Number | 0046330417 |
| Book / Page | 004633 / 000417 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 49722 CEDAR LN DAMERON MD 206283105, DAMERON, MD 20628-3105 |
| Document Number | 0046330417 |
|---|---|
| Date | Mar 31, 2017 |
| Book Page | 004633/000417 |
| Name | TOWNEBANK MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 30, 2047 |
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 | $599,900 (+37.09%) Land $352,500 Building $247,400 | $599,900 (+37.09%) Land $352,500 Building $247,400 | |
| 2025 | $165.00 (+3.13%) | ||
| 2023 | $160.00 Disabled Person's exemption Veteran's exemption | $437,600 Land $304,000 Building $133,600 | $437,600 Land $304,000 Building $133,600 |
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
| 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 500 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 84 of 136 on primary residences |
| Nearby Flood Claims | 107 (1985–2022) |
| Claims Outside the SFHA | 38 of 107 |
| Most Recent Claim | Oct 2022, tidal / storm surge |
| Flood Events |
|
| Wildfire Risk | Low above 34% of the US · above 72% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 2,632 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.
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