22380 White Oak Rd, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 22380 White Oak Rd, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,340 sqft · built 1975
Lot Size	0.627 acres (27,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,500 (Apr 2025)
Tax Bill	$4,129 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-011712`

Property Details

APN / Parcel Number

Primary APN	`03-011712`
Alternative APNs	`3011712` `011712`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,340 sqft Total Area
Basement Area	1,062 sqft
Finished Basement	1,062 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	27,326 sqft (0.627 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	011712
Street Address	22380 WHITE OAK RD
City	LEONARDTOWN
State	MD
Zip	20650-2813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOT A-10 SECTION 11A SOCIETY HILL
Legal Subdivision	SOCIETY HILL
Legal Lot Number	A10
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	3
Census Block	3019
Census Tract	875400

Owner

Source: St. Mary's County records, as of September 22, 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 Record
Mailing Address	22380 WHITE OAK RD, LEONARDTOWN, MD 20650-2813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2025 · Amount on Record
Deed Sale	Apr 10, 2025 · Amount on Record
Prior Sale	Apr 10, 2025 · Amount on Record
Deed Book / Page	6678 / 486
Record Updated	Oct 29, 2026

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Nov 20, 2017
Property Address	22380 WHITE OAK RD, LEONARDTOWN, MD 20650-2813
Document Number	0047670203
Book / Page	004767 / 000203
Instrument Date	Nov 15, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	BLUE CRAB TITLE ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22380 WHITE OAK RD LEONARDTOWN MD 206502813, LEONARDTOWN, MD 20650-2813

Mortgage

Document Number	47670210
Date	Nov 20, 2017
Book Page	004767/000210

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

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		$373,200 (+0.7%)	$378,400 (+2.1%) Land $120,700 Building $257,700
2025	$4,129.00 (+32.81%)	$370,600 (+11.11%) Land $114,400 Building $256,200	$370,600 (-) Land $114,400 Building $256,200
2023	$3,109.00 Homeowner's exemption	$333,533	$370,600 Land $114,400 Building $256,200

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	6 (2003–2021)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2021 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 139 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

May also be available: Verizon.

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