22381 Cedar St, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 22381 Cedar St, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,287 sqft · built 1961
Lot Size	0.168 acres (7,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Jul 2026)
Tax Bill	$2,789 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-020479`

Property Details

APN / Parcel Number

Primary APN	`03-020479`
Alternative APNs	`3020479` `020479`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,287 sqft Total Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,300 sqft (0.168 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	020479
Street Address	22381 CEDAR ST
City	LEONARDTOWN
State	MD
Zip	20650-2544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOTS 19 TO 21 & P/O BLOCK 8 ST CLEMENT'S SHORES
Legal Subdivision	ST CLEMENT SHORES
Legal Block	8
Legal Lot Number	19-21
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	4
Census Block	4019
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	22381 CEDAR ST, LEONARDTOWN, MD 20650-2544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE ACCEPTANCE
Mar 3, 2021	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 17, 2020	Grant Deed, Transfer CLEARFIELDS IRREV TRUST (IT)
Mar 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on Record
Deed Sale	Jul 21, 2026 · Amount on Record
Prior Sale	Mar 3, 2021 · Amount on Record
Deed Book / Page	6945 / 311
Prior Transfer Date	Mar 12, 2020
Prior Transfer Doc	0052950255
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jul 21, 2026
Property Address	22381 CEDAR ST, LEONARDTOWN, MD 20650-2544
Document Number	6945000311
Book / Page	6945 / 311
Instrument Date	Jul 7, 2026
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	INTERSTATE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$33,835.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22381 CEDAR ST, LEONARDTOWN, MD 20650-2544

Mortgage

Document Number	6945000323,
Date	Jul 21, 2026
Book Page	6945/323

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 3, 2021
Property Address	22381 CEDAR ST, LEONARDTOWN, MD 20650-2544
Document Number	0056700407
Book / Page	5670 / 407
Map Reference	LB JMM 6 FO 518
Instrument Date	Feb 23, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22381 CEDAR ST, LEONARDTOWN, MD 20650-2544

Mortgage

Document Number	0005670414
Date	Mar 3, 2021
Instrument	5670/414

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 17, 2020
Property Address	22381 CEDAR ST, LEONARDTOWN, MD 20650-2544
Document Number	0054300378
Book / Page	005430 / 000378
Instrument Date	Aug 11, 2020
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2035 PAPAS LN LUSBY MD 206572471, LUSBY, MD 20657-2471

Mortgage

Document Number	54300383
Date	Aug 17, 2020
Book Page	005430/000383

Lender

Name	CLEARFIELDS IRREV TRUST (IT)

Agreement

Amount	Amount Recorded

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 18, 2020
Property Address	22381 CEDAR ST, LEONARDTOWN, MD 20650-2544
Document Number	0052950255
Book / Page	005295 / 000255
Instrument Date	Mar 12, 2020
Transaction Type	Transfer
Record Updated	Jun 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	14263 BURNT STORE RD HUGHESVILLE MD 206372648, HUGHESVILLE, MD 20637-2648

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 7, 2019
Property Address	22381 CEDAR ST, LEONARDTOWN, MD 20650-2544
Document Number	0051770361
Book / Page	005177 / 000361
Instrument Date	Oct 1, 2019
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	14263 BURNT STORE RD HUGHESVILLE MD 206372648, HUGHESVILLE, MD 20637-2648

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		$268,600 (+7.01%)	$303,800 (+21.04%) Land $103,400 Building $200,400
2025	$2,789.00 (+42.88%)	$251,000 (+37.81%) Land $93,000 Building $158,000	$251,000 (-) Land $93,000 Building $158,000
2023	$1,952.00	$182,133	$251,000 Land $93,000 Building $158,000

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
Nearest Special Flood Hazard Area	Zone AE, 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

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	0.02% 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.

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 110 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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