1607 Cypress Rd, Saint Leonard, MD 20685 Property Records

Calvert County property record for 1607 Cypress Rd, Saint Leonard, MD 20685

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,232 sqft · built 1987
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Trust Names on File
Last Sale	$215,000 (Feb 2019)
Tax Bill	$2,798 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-038796`

Property Details

APN / Parcel Number

Primary APN	`01-038796`
Alternative APNs	`1038796` `038796`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,232 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	038796
Street Address	1607 CYPRESS RD
City	SAINT LEONARD
State	MD
Zip	20685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LTS 22 & 23 BLK 10 SEC A LONG BEACH
Legal Subdivision	LONG BEACH ON THE BAY
Legal Block	10
Legal Lot Number	22,23
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1007
Census Tract	861100

Owner

1607 Cypress Rd is held in a trust since February 2021.

Source: Calvert County records, as of December 2, 2025

Owner of Record	2 Trust Names on File
Mailing Address	1257 SE 8TH ST, DEERFIELD BEACH, FL 33441-5870
Owner Type	Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE CO
Apr 9, 2021	Intrafamily Transfer, Transfer
Feb 22, 2019	Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2019 · Amount on File
Deed Sale	Feb 22, 2019 · Amount on File
Prior Sale	Nov 2, 1989 · Amount on File
Deed Book / Page	5321 / 104
Last Transfer Date	Feb 7, 2021
Transfer Doc	0059260198
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	1607 CYPRESS RD, SAINT LEONARD, MD 20685
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MADISON SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 CYPRESS RD, SAINT LEONARD, MD 20685

Mortgage

Document Number	0056900280
Date	Sep 8, 2020
Book Page	5690/280

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Apr 9, 2021
Property Address	1607 CYPRESS RD, SAINT LEONARD, MD 20685
Document Number	0059260198
Book / Page	5926 / 198
Map Reference	LB AAH 1 FO 38
Instrument Date	Feb 7, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1257 SE 8TH ST, DEERFIELD BEACH, FL 33441-5870

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 22, 2019
Property Address	1607 CYPRESS RD, SAINT LEONARD, MD 20685
Document Number	0053210104
Book / Page	5321 / 104
Map Reference	LB AAH 1 FO 38
Instrument Date	Feb 8, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1607 CYPRESS RD, SAINT LEONARD, MD 20685

Mortgage

Document Number	0005321111
Date	Feb 22, 2019
Instrument	5321/111

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1607 Cypress Rd was $2,798.

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$2,798.00	$244,267	$261,200 Land $85,000 Building $176,200
2023	$2,186.00	$210,400 Land $85,000 Building $125,400	$210,400 Land $85,000 Building $125,400

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

Flood

FEMA maps place 1607 Cypress Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 1607 Cypress Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 75% of Maryland
Wildfire Likelihood	0.05% 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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