18872 Windy Point Ln, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 18872 Windy Point Ln, Leonardtown, MD 20650 · Last verified August 2026

Property Summary

Property Type	Rural Home
Details	2.5 ba · 2,844 sqft · built 1989
Lot Size	28.3 acres (1,234,926 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,743 (2025)
Deeds & Mortgages	Jun 2023 Transfer Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-027542`

Property Details

APN / Parcel Number

Primary APN	`02-027542`
Alternative APNs	`2027542` `027542`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,844 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Roof Material	Metal
Lot Area	1,234,926 sqft (28.3 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	612 sqft
Shed	1 Shed
Shed Area	1,400 sqft
Gazebo	80 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	027542
Street Address	18872 WINDY POINT LN
City	LEONARDTOWN
State	MD
Zip	20650
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	P/O FARMSTEAD 1 KEATLEY SUB
Legal Subdivision	KEATLEY SUB
Jurisdiction	ST MARY'S MD
Township / Civil Division	2, VALLEY LEE
Census Block Group	1
Census Block	1046
Census Tract	876101

Owner

Source: St. Mary's County records · APN 02-027542

Assessment roll updated August 12, 2025 · Last verified August 2026

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 File
Mailing Address	PO BOX 457, VALLEY LEE, MD 20692-0457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Intrafamily Transfer, Transfer
Mar 31, 2022	Intrafamily Transfer, Transfer
Mar 31, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jun 30, 2023
Transfer Doc	0063630093
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Jun 30, 2023
Property Address	18872 WINDY POINT LN, LEONARDTOWN, MD 20650
Document Number	0063630093
Book / Page	6363 / 93
Map Reference	LB 58 FO 37
Instrument Date	Jun 30, 2023
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 457, VALLEY LEE, MD 20692-0457

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Mar 31, 2022
Property Address	18872 WINDY POINT LN, LEONARDTOWN, MD 20650
Document Number	0061080299
Book / Page	6108 / 299
Map Reference	LB 58 FO 37
Instrument Date	Mar 28, 2022
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 457, VALLEY LEE, MD 20692-0457

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Mar 31, 2022
Property Address	18872 WINDY POINT LN, LEONARDTOWN, MD 20650
Document Number	0061080294
Book / Page	6108 / 294
Map Reference	LB 58 FO 37
Instrument Date	Mar 28, 2022
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 457, VALLEY LEE, MD 20692-0457

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$776,333 (+0.07%)	$777,400 (+0.21%) Land $365,900 Building $411,500
2025	$7,743.00 (+8.83%) Homeowner's exemption	$775,800 (+14.4%) Land $347,900 Building $427,900	$775,800 (-) Land $347,900 Building $427,900
2023	$7,115.00 (+17.8%)	$678,133 (+7.76%)	$775,800 (+23.28%) Land $347,900 Building $427,900
2022	$6,040.00	$629,300 Land $325,900 Building $303,400	$629,300 Land $325,900 Building $303,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), updated May 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240378761011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 103 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	103 in force
Nearby Flood Claims	24 (1996–2023)
Most Recent Claim	Jun 2023
Claims By Storm	Hurricane Isabel, Sep 2003 · 8 claims

Wildfire

Wildfire Risk	Low above 7% of the US · above 15% of Maryland
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cogeco Cable Holdings II	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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