Calvert County property record for 1138 Regency Dr, Saint Leonard, MD 20685
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,260 sqft · built 2001 |
| Lot Size | 1.8 acres (78,408 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Dec 2021) |
| Tax Bill | $5,285 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-236016 |
| Primary APN | 01-236016 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,260 sqft Total Area |
| Basement Area | 821 sqft |
| Finished Basement | 821 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 78,408 sqft (1.8 acres) |
| Garage Type | Built-in |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 185 sqft |
| Deck Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 236016 |
|---|---|
| Street Address | 1138 REGENCY DR |
| City | SAINT LEONARD |
| State | MD |
| Zip | 20685-2645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LT 39 PLAT 1 PHASE 2 KINGS CREEK ESTATES |
| Legal Subdivision | KINGS CREEK ESTATES |
| Legal Phase | 2 |
| Legal Lot Number | 39 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 861100 |
Source: Calvert County records, as of December 2, 2025
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 | 1138 REGENCY DR, SAINT LEONARD, MD 20685-2645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC |
| Dec 15, 2021 | Deed, Transfer · FHA Mortgage BAY CAPITAL MORTGAGE CORP |
| Mar 6, 2020 | Grant Deed, Transfer · VA Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2021 · Amount on Record |
| Deed Sale | Dec 15, 2021 · Amount on Record |
| Prior Sale | Mar 6, 2020 · Amount on Record |
| Deed Book / Page | 6170 / 405 |
| Prior Transfer Date | Apr 12, 2013 |
| Prior Transfer Doc | 0042040005 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 1138 REGENCY DR, SAINT LEONARD, MD 20685-2645 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CERTIFIED TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0058300118 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 5830/118 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Dec 15, 2021 |
| Property Address | 1138 REGENCY DR, SAINT LEONARD, MD 20685-2645 |
| Document Number | 0061700405 |
| Book / Page | 6170 / 405 |
| Map Reference | MB BJS 1 PG 74 |
| Instrument Date | Oct 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2022 |
| Title Company | VELOCITY NATIONAL TITLE COMPANY, VELOCITY NATIONAL TTL CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1138 REGENCY DR, SAINT LEONARD, MD 20685-2645 |
| Document Number | 0006170412 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 6170/412 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Mar 6, 2020 |
| Property Address | 1138 REGENCY DR, SAINT LEONARD, MD 20685-2645 |
| Document Number | 0055420110 |
| Book / Page | 005542 / 000110 |
| Instrument Date | Feb 28, 2020 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2020 |
| Title Company | TITLEMAX CORPORATION, TITLEMAX CORP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $381.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1138 REGENCY DR ST LEONARD MD 206852645, ST LEONARD, MD 20685-2645 |
| Document Number | 55420117 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 005542/000117 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2050 |
Source: Calvert County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,285.00 (+23.65%) | $474,800 (+15.41%) | $506,500 (+23.12%) Land $125,800 Building $380,700 |
| 2023 | $4,274.00 | $411,400 Land $125,800 Building $285,600 | $411,400 Land $125,800 Building $285,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 133 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 |
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