175 Calvert Beach Rd, Saint Leonard, MD 20685 Property Records

Calvert County property record for 175 Calvert Beach Rd, Saint Leonard, MD 20685

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,948 sqft · built 2021
Lot Size	1.39 acres (60,548 sqft)
Owner	2 Individual Names on File
Last Sale	$539,950 (Jul 2021)
Tax Bill	$5,694 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-010123`

Property Details

APN / Parcel Number

Primary APN	`01-010123`
Alternative APNs	`1010123` `010123`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,948 sqft Total Area
Basement Area	728 sqft
Finished Basement	728 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	60,548 sqft (1.39 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	010123
Street Address	175 CALVERT BEACH RD
City	SAINT LEONARD
State	MD
Zip	20685-2757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TC
Legal Description	1.39 AC W/S RT 4 ST LEONARD
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1034
Census Tract	861100

Owner

175 Calvert Beach Rd is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	175 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2757
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 13, 2021	Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP
Nov 16, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Nov 16, 2020 · Amount on File
Deed Book / Page	6021 / 228
Prior Transfer Date	Dec 3, 2010
Prior Transfer Doc	0036250416
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	175 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2757
Transaction Type	Mortgage
Record Updated	Apr 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2757

Mortgage

Document Number	0065310107
Date	Feb 5, 2024
Book Page	6531/107

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Aug 1, 2051

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jul 13, 2021
Property Address	175 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2757
Document Number	0060210228
Book / Page	6021 / 228
Instrument Date	Jul 1, 2021
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	COVENANT TITLE AND ESCROW, COVENANT TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,349.88
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4731 ANGELICA DR, 4731, HUNTINGTOWN, MD 20639-9294

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	175 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2757

Mortgage

Document Number	6021236
Date	Jul 13, 2021
Instrument	6021/236

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 16, 2020
Property Address	175 CALVERT BEACH RD, SAINT LEONARD, MD 20685-2757
Document Number	0057650231
Book / Page	005765 / 000231
Instrument Date	Oct 6, 2020
Transaction Type	Transfer
Record Updated	Feb 4, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	175 CALVERT BEACH RD ST LEONARD MD 20685, ST LEONARD, MD 20685

Tax Assessment & Valuation

The 2025 property tax bill for 175 Calvert Beach Rd was $5,694.

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	$5,694.00	$507,167	$540,400 Land $125,300 Building $415,100
2023	$4,578.00	$440,700 Land $125,300 Building $315,400	$440,700 Land $125,300 Building $315,400

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

Flood

FEMA maps place 175 Calvert Beach Rd 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 175 Calvert Beach Rd is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 88% of Maryland
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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