St. Mary's County property record for 20686 Waterside Dr, Leonardtown, MD 20650
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,065 sqft · built 1950 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $273,000 (Sep 2010) |
| Tax Bill | $4,063 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-005836 |
| Primary APN | 03-005836 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,065 sqft Total Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 255 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 005836 |
|---|---|
| Street Address | 20686 WATERSIDE DR |
| City | LEONARDTOWN |
| State | MD |
| Zip | 20650-4423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LT-20 PLAT 4/410 BRETON BEACH SUBD |
| Legal Subdivision | BRETON BEACH SUB |
| Legal Lot Number | 20 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 3, LEONARDTOWN |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 875400 |
20686 Waterside Dr is owned and occupied by an individual who bought it in September 2010.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20686 WATERSIDE DR, LEONARDTOWN, MD 20650-4423 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2010 · Amount on File |
| Deed Sale | Sep 22, 2010 · Amount on File |
| Prior Sale | Aug 9, 1991 · Amount on File |
| Deed Document Number | 2010503 |
| Deed Book / Page | 3480 / 47 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 20686 Waterside Dr was $4,063 with a homeowner's exemption.
Source: St. Mary's County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $370,500 (+1.65%) | $382,500 (+4.94%) Land $284,500 Building $98,000 | |
| 2025 | $4,063.00 Homeowner's exemption | $364,500 Land $269,500 Building $95,000 | $364,500 Land $269,500 Building $95,000 |
| 2023 | $3,729.00 Homeowner's exemption | $350,967 | $364,500 Land $269,500 Building $95,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20686 Waterside Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 37 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 40 (1985–2024) |
| Claims Outside the SFHA | 20 of 40 |
| Most Recent Claim | Jan 2024 · other causes |
| 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.
Wildfire risk around 20686 Waterside Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Fiber · Cable in parts of the area | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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