22331 Leonard St, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 22331 Leonard St, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,152 sqft · built 1931
Lot Size	0.262 acres (11,401 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Aug 2023)
Tax Bill	$2,055 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-003426`

Property Details

APN / Parcel Number

Primary APN	`03-003426`
Alternative APNs	`3003426` `003426`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Total Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,401 sqft (0.262 acres)
Garage Type	Detached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	003426
Street Address	22331 LEONARD ST
City	LEONARDTOWN
State	MD
Zip	20650-2557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOTS 17 TO 22 BLOCK 22 ST CLEMENT'S SHORES
Legal Subdivision	ST CLEMENTS SHORES
Legal Block	22
Legal Lot Number	17-22
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	4
Census Block	4030
Census Tract	875400

Owner

22331 Leonard St is owned and occupied by an individual who bought it in August 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	22331 LEONARD ST, LEONARDTOWN, MD 20650-2557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Aug 17, 2023	Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2023 · Amount on File
Deed Sale	Aug 17, 2023 · Amount on File
Prior Sale	Oct 8, 2014 · Amount on File
Deed Book / Page	6384 / 151
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	22331 LEONARD ST, LEONARDTOWN, MD 20650-2557
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	LIGHTHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22331 LEONARD ST, LEONARDTOWN, MD 20650-2557

Mortgage

Document Number	0068550462
Date	Feb 27, 2026
Book Page	6855/462

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 17, 2023
Property Address	22331 LEONARD ST, LEONARDTOWN, MD 20650-2557
Document Number	0063840151
Book / Page	6384 / 151
Map Reference	MB JMM 4 PL 145
Instrument Date	Aug 11, 2023
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22331 LEONARD ST, LEONARDTOWN, MD 20650-2557

Mortgage

Document Number	0006384159
Date	Aug 17, 2023
Instrument	6384/159

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 22331 Leonard St was $2,055 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		$225,933	$311,400 Land $101,700 Building $209,700
2025	$2,055.00 Homeowner's exemption
2023	$1,835.00	$170,667	$183,200 Land $96,800 Building $86,400

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

Flood

FEMA maps place 22331 Leonard St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2003–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2006 · rainfall accumulation

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 22331 Leonard St is low, with less than 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	Under 0.01% annual chance
Exposure	Indirect within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLEMENTS SHORES serves 620 people · EPA ID MD0180012
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Leonard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures