St. Mary's County property record for 20698 Waterside Dr, Leonardtown, MD 20650
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,204 sqft · built 1926 |
| Lot Size | 0.381 acres (16,602 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,746 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-005879 |
| Primary APN | 03-005879 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,204 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,602 sqft (0.381 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 924 sqft |
| Deck Area | 96 sqft |
| Boat Access | Boat Access |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 005879 |
|---|---|
| Street Address | 20698 WATERSIDE DR |
| City | LEONARDTOWN |
| State | MD |
| Zip | 20650-4423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 18 PLUS 1ST ST PLAT 4/410 BRETON BEACH SUBD |
| Legal Subdivision | BRETON BEACH SUB |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 3, LEONARDTOWN |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 875400 |
20698 Waterside Dr is owned and occupied by two individuals.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20698 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 | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 20698 Waterside Dr was $5,746 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 | $541,300 | $575,500 Land $324,800 Building $250,700 | |
| 2025 | $5,746.00 Homeowner's exemption | ||
| 2023 | $5,159.00 Homeowner's exemption | $492,867 | $524,200 Land $302,300 Building $221,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20698 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.
The area around 20698 Waterside Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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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