1013 Laurel Ct, Saint Leonard, MD 20685 Property Records

Calvert County property record for 1013 Laurel Ct, Saint Leonard, MD 20685

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,288 sqft · built 1997
Lot Size	0.88 acres (38,332 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (May 2007)
Tax Bill	$3,963 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-188054`

Property Details

APN / Parcel Number

Primary APN	`01-188054`
Alternative APNs	`1188054` `188054`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,288 sqft Total Area
Basement Area	644 sqft
Finished Basement	644 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	38,332 sqft (0.88 acres)
Porch	Slab
Porch Area	444 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	188054
Street Address	1013 LAUREL CT
City	SAINT LEONARD
State	MD
Zip	20685-2595
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 34R SEC D-6 LONG BEACH HGTS
Legal Subdivision	LONG BEACH HEIGHTS
Legal Lot Number	34R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1044
Census Tract	861100

Owner

1013 Laurel Ct is owned and occupied by two individuals who bought it in May 2007.

Source: Calvert County records, as of August 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1013 LAUREL CT, SAINT LEONARD, MD 20685-2595
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Nov 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2007 · Amount on File
Deed Sale	May 30, 2007 · Amount on File
Prior Sale	Jan 16, 2003 · Amount on File
Deed Document Number	200772899
Deed Book / Page	2998 / 80
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	Aug 5, 2026
Property Address	1013 LAUREL CT, SAINT LEONARD, MD 20685-2595
Document Number	6943000076
Book / Page	6943 / 76
Instrument Date	Jul 21, 2026
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	FEDERAL TITLE, NAVY FEDERAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 LAUREL CT, SAINT LEONARD, MD 20685-2595

Mortgage

Document Number	6943000076,
Date	Aug 5, 2026
Book Page	6943/76

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1013 LAUREL CT, SAINT LEONARD, MD 20685-2595
Document Number	0053000141
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 LAUREL CT ST LEONARD MD 206852595, ST LEONARD, MD 20685-2595

Mortgage

Document Number	0053000141
Date	Dec 27, 2018
Book Page	005300/000141

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 26, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 1013 Laurel Ct was $3,963.

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$363,200 Land $113,300 Building $249,900	$363,200 Land $113,300 Building $249,900
2025	$3,963.00
2023	$3,433.00	$330,500 Land $113,300 Building $217,200	$330,500 Land $113,300 Building $217,200

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

Flood

FEMA maps place 1013 Laurel Ct in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 122 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	122 in force
Nearby Flood Claims	17 (2003–2025)
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 7 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 1013 Laurel Ct is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEACHES WATER CO-OPERATIVE private · serves 2,000 people · EPA ID MD0040009
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Laurel Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures