20838 Waterside Dr, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 20838 Waterside Dr, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,512 sqft · built 1958
Lot Size	0.191 acres (8,340 sqft)
Owner	2 Trust Names on File
Last Sale	$273,750 (Dec 2021)
Tax Bill	$4,350 (2025)
Deeds & Mortgages	Jan 2023 Transfer Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-003973`

Property Details

APN / Parcel Number

Primary APN	`03-003973`
Alternative APNs	`3003973` `003973`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,512 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Block
Roof Material	Composition Shingle
Lot Area	8,340 sqft (0.191 acres)
View / Lot	Waterfront
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	003973
Street Address	20838 WATERSIDE DR
City	LEONARDTOWN
State	MD
Zip	20650-4421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 9 PLAT 4/410 BRUBACHERS SUB
Legal Subdivision	BRUBACHERS SUB
Legal Lot Number	9
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	1
Census Block	1026
Census Tract	875400

Owner

20838 Waterside Dr is owner-occupied and held in a trust since November 2022.

Source: St. Mary's County records, as of September 22, 2026

Owner of Record	2 Trust Names on File
Mailing Address	20838 WATERSIDE DR, LEONARDTOWN, MD 20650-4421
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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
Jan 31, 2023	Intrafamily Transfer, Transfer
Dec 17, 2021	Deed, Transfer · Conventional Mortgage INTERLINC MORTGAGE SERVICES LLC
Nov 23, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on File
Deed Sale	Dec 17, 2021 · Amount on File
Deed Book / Page	6018 / 377
Last Transfer Date	Nov 29, 2022
Transfer Doc	6291000043
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Jan 31, 2023
Property Address	20838 WATERSIDE DR, LEONARDTOWN, MD 20650-4421
Document Number	0062910043
Book / Page	6291 / 43
Map Reference	LB CBG 1 FO 2
Instrument Date	Nov 29, 2022
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

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Dec 17, 2021
Property Address	20838 WATERSIDE DR, LEONARDTOWN, MD 20650-4421
Document Number	0060180377
Book / Page	6018 / 377
Map Reference	LB CBG 1 FO 2
Instrument Date	Nov 30, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,806.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20838 WATERSIDE DR, LEONARDTOWN, MD 20650-4421

Mortgage

Document Number	0006018384
Date	Dec 17, 2021
Instrument	6018/384

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Nov 23, 2021
Property Address	20838 WATERSIDE DR, LEONARDTOWN, MD 20650-4421
Document Number	0059960269
Book / Page	5996 / 269
Map Reference	LB CBG 1 FO 2
Instrument Date	Oct 11, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

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 Severalty
Address	12942 OTTAWA DR, LUSBY, MD 20657-3254

Tax Assessment & Valuation

The 2025 property tax bill for 20838 Waterside Dr was $4,350 with a homeowner's exemption.

Source: St. Mary's County assessment roll, as of September 22, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$401,867 (+2.7%)	$423,000 (+8.1%) Land $289,400 Building $133,600
2025	$4,350.00 Homeowner's exemption	$391,300 Land $274,700 Building $116,600	$391,300 Land $274,700 Building $116,600
2023	$3,990.00 Homeowner's exemption	$376,633	$391,300 Land $274,700 Building $116,600

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

Flood

FEMA maps place 20838 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	Hurricane Isabel, Sep 2003 · 23 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 20838 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 94% of the US · lower than 87% 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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

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