Calvert County property record for 1234 Calvert Beach Rd, Saint Leonard, MD 20685
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,000 sqft · built 1980 |
| Lot Size | 0.407 acres (17,729 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Mar 2020) |
| Tax Bill | $657 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-138324 |
| Primary APN | 01-138324 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,000 sqft Total Area |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 17,729 sqft (0.407 acres) |
| Deck Area | 120 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 138324 |
|---|---|
| Street Address | 1234 CALVERT BEACH RD |
| City | SAINT LEONARD |
| State | MD |
| Zip | 20685-2821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT B BLK 102 CALVERT BEACH PARK |
| Legal Subdivision | REPLATTING OF CALVERT BEACH PARK NORTH |
| Legal Block | 102 |
| Legal Lot Number | B |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 2, PRINCE FREDERICK |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 861100 |
1234 Calvert Beach Rd is owned and occupied by two individuals who bought it in March 2020.
Source: Calvert County records, as of December 2, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1234 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Mar 17, 2020 | Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2020 · Amount on File |
| Deed Sale | Mar 17, 2020 · Amount on File |
| Prior Sale | Sep 15, 2015 · Amount on File |
| Deed Book / Page | 5547 / 533 |
| Transfer Doc | 0018080173 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 1234 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2821 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1234 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2821 |
| Document Number | 0058980139 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 5898/139 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Mar 17, 2020 |
| Property Address | 1234 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2821 |
| Document Number | 0055470533 |
| Book / Page | 5547 / 533 |
| Map Reference | MB ABE 1 PL 10 |
| Instrument Date | Feb 28, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | ULTIMATE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $662.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1234 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2821 |
| Document Number | 5547539 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 5547/539 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
The 2025 property tax bill for 1234 Calvert Beach Rd was $657 with a homeowner's exemption.
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 | $657.00 Homeowner's exemption | $277,600 | $294,900 Land $97,500 Building $197,400 |
| 2023 | $2,524.00 | $243,000 Land $97,500 Building $145,500 | $243,000 Land $97,500 Building $145,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1234 Calvert Beach Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 in force |
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 risk around 1234 Calvert Beach Rd is moderate, ranking above 50% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 88% 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 | CALVERT BEACH - DECATUR STREET private · serves 350 people · EPA ID MD0040024 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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