This unique property is situated on a serene stretch of deep water, perfect for boating, fishing, and various water sports. A private dock extends into the water, capable of accommodating 3 boats, and is already equipped with an electric boat lift. This property truly highlights the best of waterfront living in Southern Maryland; deep water advantage that leads directly into the Potomac River. If you want a property you can design to be your own, this is IT. There is a ton of sweat equity waiting to be all yours in this home. The interior boasts an open-concept layout that maximizes natural light and enhances the flow of space. High ceilings and large windows create an airy and inviting atmosphere. Bring your design plans. Bring your contractor. Don't miss your opportunity to create the waterfront dream home you've been envisioning. Fun history on this home: The detached concrete building/ garage was the original home site. What now serves as BONUS space, was the original home here. How cool is that? Come explore this incredible property and prepare to unleash your creativity on the design.
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Sell
$171,855
Est. take-home
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Refinance
$0
Est. cash available
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Rent
$2,779/mo
Redfin rental estimate
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Market trends in 20609, MD
Last updated September 2026
Sale-to-list price
97.4%
+0.6% MoM
Median sale price
$490K
$130K MoM
Avg. days on market
20d
13 days MoM
Recently sold homes
5
0 MoM
Provided by Redfin
Sale history for 20855 Olen Mattingly Rd
Date
Event
Price
BRIGHT MLS #MDSM2018920
Jun 10, 2024
Sold
$444,500
$225/sq ft
May 25, 2024
Contingent
—
May 18, 2024
Listed
$444,500
$225/sq ft
Public Records
Apr 24, 2024
Sold
$280,000
$142/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$5,255 (+3.6%)
2024
$5,075 (+2.8%)
2023
$4,938 (+44.5%)
$261,100 + $198,100
$459,200
2021
$3,416 (−26.7%)
2020
$4,662 (+1.8%)
$251,100 + $170,200
$421,300
2019
$4,580 (−0.5%)
$251,100 + $170,200
$421,300
2018
$4,602 (+0.4%)
$251,100 + $172,500
$423,600
2017
$4,583 (+2.2%)
$251,100 + $172,500
$423,600
2015
$4,483 (+39.5%)
$251,100 + $175,100
$426,200
2014
$3,213 (−3.5%)
$251,100 + $175,100
$426,200
2013
$3,329 (−18.6%)
2012
$4,088 (+25.3%)
2011
$3,264
2010
$3,264 (+3.0%)
2009
$3,169
Tax history for 20855 Olen Mattingly Rd
Year
Property tax
Land + Additions
Assessment*
2025
$5,255 (+3.6%)
2024
$5,075 (+2.8%)
2023
$4,938 (+44.5%)
$261,100 + $198,100
$459,200
2021
$3,416 (−26.7%)
2020
$4,662 (+1.8%)
$251,100 + $170,200
$421,300
2019
$4,580 (−0.5%)
$251,100 + $170,200
$421,300
2018
$4,602 (+0.4%)
$251,100 + $172,500
$423,600
2017
$4,583 (+2.2%)
$251,100 + $172,500
$423,600
2015
$4,483 (+39.5%)
$251,100 + $175,100
$426,200
2014
$3,213 (−3.5%)
$251,100 + $175,100
$426,200
2013
$3,329 (−18.6%)
2012
$4,088 (+25.3%)
2011
$3,264
2010
$3,264 (+3.0%)
2009
$3,169
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
—
Baths
2
Stories
2
Lot width
—
Lot depth
—
Lot size
0.48 Acres
Year renovated
—
Sq. Ft.
1,974
Year built
1988
Style
Single Family Residential
County
St. Mary's County
APN
07 010648
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 16, 2026.
RPD
Rural Preservation District
The regulations of Rural Preservation Districts are intended to foster agricultural, forestry, mineral resource extraction, and aquacultural uses and protect the land base necessary to support these activities. Low density residential development in this type of district is permitted subject to performance standards that maintain the rural character of the district in recognition of the fact that a full range of public facilities is not provided or planned. The farmer has the right to farm without being restricted by neighboring residential areas. Restricted hours of operation for farm equipment, restricted odor-producing fertilizers, or mandatory noise reductions may not be imposed on farmers in an RPD zoning district. The general intent of the district is to encourage farming without undue burden on the landowner. In accordance with these intentions, the following provisions for the protection of agricultural uses will apply: (1) Any farm use of land is permitted. (2) Operation, at any time, of machinery used in farm production or the primary processing of agricultural products is permitted. (3) Normal agricultural activities and operations in accordance with good husbandry practices, which do not cause bodily injury or directly endanger human health, are permitted and preferred activities, including activities that may produce normal agriculture related noise and odors. (4) The sale of farm products produced on the farm where the sales are made is permitted.
Permitted uses
Include but are not limited to:
Equestrian facility
Greenhouse / nursery
Livestock production
Winery & vineyard
Housing-Single unit
Manufacturing
Bed & breakfast
Agriculture-Cropland
Agriculture-Grove / orchard
Timberland
Property details
Parking
Parking Information
# of Detached Garage Spaces: 1
# of Attached Carport Spaces: 2
Garage Features: Garage - Front Entry
# of Total Garage and Parking Spaces: 3
Has Garage
# of Garage Spaces: 1
Attached Carport, Detached Garage
Interior
Bedroom Information
# of Bedrooms On 1st Upper Level: 2
# of Bedrooms On Main Level: 1
Bathroom Information
# of Bathrooms (Full) On 1st Upper Level: 1
# of Bathrooms (Full) On Main Level: 1
# of Bathrooms (Full) On All Upper Levels: 1
# of Bathrooms (Full): 2
Interior Information
Living Area Sq.Ft. Source: Assessor
Basement Information
Basement: No
Exterior
Property Information
Federal Flood Zone
Total Below Grade Sq. Ft.: 0
Improvement Assessed Value: $170,200
Ownership Interest: Fee Simple
Property Condition: Average
Year Built Source: Assessor
Building Information
Construction Materials: Frame
Foundation Details: Concrete Perimeter
Other Structures: Above Grade, Below Grade
Structure Type: Detached
Lot Information
Lot Features: Level, Stream/Creek
Navigable Water
Has Water View
Water Frontage In Feet: 122
Tidal Water: Yes
Land Information
Land Assessed Value: $251,100
Dock Information
Dock Type and Features: Hoist/Lift Electric, Private
Dock/Slip Conveyance: Physical Dock/Slip Conveys
# of Docks: 1
Dock/Slip Conveys: Yes
Above Grade Information
Finished Sq.Ft.: 1,974
Finished Sq.Ft. Source: Assessor
Below Grade Information
Unfinished Sq.Ft. Source: Assessor
Finished Sq.Ft. Source: Assessor
Financial
Tax Information
County Tax: $4,286
Tax Assessed Value: $446,567
Tax Year: 2023
Tax Annual Amount: $4,286
Assessments Information
Year Assessed: 2023
Utilities
Utilities Information
Central Air
Cooling Type: Central A/C
Cooling Fuel: Electric
Heat Pump - Electric BackUp
Heating Fuel: Electric
Hot Water: Electric
Sewer Septic: Septic Exists
Water Source: Well
Location
School Information
School District Name: ST. MARY'S COUNTY PUBLIC SCHOOLS
School District Source: Listing Agent
Location Information
Outside City Limits
Directions: GPS
Location Type: Creek
Mean Low Water Feet: 4
Waterfrontage Information
Water Access Features: Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Private Access
Water Access
Boat/Launch Ramp - Private, Private Dock Site
On Waterfront
Water Oriented
Water Body Type: Creek
Water Body Name: St. Patricks Creek
Public facts
Beds: —
Baths: 2.0
Sq. Ft.: 1,974
Stories: 2.0
Lot Size: 0.48 acres
Style: Single Family Residential
Year Built: 1988
Year Renovated: —
County: St. Mary's County
APN: 07 010648
Home facts updated by county records on Oct 16, 2026
Around this home
Schools
Dynard Elementary School
Public PreK-5 • Assigned • 5.0mi
9/10
Margaret Brent Middle School
Public 6-8 • Assigned • 9.9mi
6/10
Chopticon High School
Public 9-12 • Assigned • 8.8mi
6/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
6/10 Flood Factor
Estimated 70-78% chance of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
8/10 Heat Factor
7 days above 104° expected this year, 16 days in 30 years
6/10 Wind Factor
27% chance of strong winds in next 30 years
2/10 Air Factor
0 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Avenue, MD • 20609
Average low and high temperatures (°F)
40
27
45
31
61
42
69
51
74
59
85
69
88
73
80
67
78
63
69
52
59
45
46
33
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.6 hours in
June and 4.8 hours in December, which is comparable to the
U.S. average for solar exposure.
9.6 hrs
4.8 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$518,000 – $628,000
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