22770 Washington St, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 22770 Washington St, Leonardtown, MD 20650

Property Summary

Property Type	Commercial
Details	2.5 ba · 3,992 sqft · built 1900
Lot Size	1.54 acres (67,082 sqft)
Owner	Company Name on Record
Last Sale	$1,300,000 (Dec 2025)
Tax Bill	$14,829 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-024423`

Property Details

APN / Parcel Number

Primary APN	`03-024423`
Alternative APNs	`3024423` `024423`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,992 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	67,082 sqft (1.54 acres)
Porch	Slab
Porch Area	900 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	024423
Street Address	22770 WASHINGTON ST
City	LEONARDTOWN
State	MD
Zip	20650
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C-G
Legal Description	PARCEL 476
Legal Subdivision	BOUNDARY SURVEY PARCEL 474 476 & 477
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	2
Census Block	2018
Census Tract	875400

Owner

Source: St. Mary's County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4806 CAMELBACK CT, WALDORF, MD 20602-3172
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BUSINESS FINANCE CORP
Dec 29, 2025	Deed, Transfer · SBA Mortgage THE HUNTINGTON NATIONAL BANK
Jun 30, 2021	Special Warranty Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2025 · Amount on Record
Deed Sale	Dec 29, 2025 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2025
Deed Book / Page	6824 / 441
Transfer Doc	0025000162
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	22770 WASHINGTON ST, LEONARDTOWN, MD 20650
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	UNKNOWN, BLUE CRAB T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22770 WASHINGTON ST, LEONARDTOWN, MD 20650

Mortgage

Document Number	0058940474
Date	Aug 27, 2021
Book Page	5894/474

Lender

Name	CHESAPEAKE BUSINESS FINANCE CORP
Type	Non-Lending Institution
Address	BETHESDA, MD 20816

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 26, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Dec 29, 2025
Property Address	22770 WASHINGTON ST, LEONARDTOWN, MD 20650
Document Number	0068240441
Book / Page	6824 / 441
Map Reference	MB 77 PL 109
Instrument Date	Dec 19, 2025
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	UNKNOWN, TRI COUNTY ABSTRACT INC

Transaction

Amount	Amount Recorded
Tax	$6,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4806 CAMELBACK CT, WALDORF, MD 20602-3172

Mortgage

Document Number	0006824446
Date	Dec 29, 2025
Instrument	6824/446

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jun 30, 2021
Property Address	22770 WASHINGTON ST, LEONARDTOWN, MD 20650
Document Number	0058360412
Book / Page	5836 / 412
Map Reference	MB 39 PL 72
Instrument Date	Jun 11, 2021
Transaction Type	Transfer
Record Updated	Oct 7, 2024
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$4,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	25690 GRANDIFLORA CT, MECHANICSVILLE, MD 20659-4921

Mortgage

Document Number	0005836421
Date	Jun 30, 2021
Instrument	5836/421

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Mortgage

Document Number	0058360458
Date	Jun 30, 2021
Book Page	5836/458

Lender

Name	COMMUNITY BANK OF THE CHESAPEAKE
Type	Bank
Address	WALDORF, MD 20601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Municipality	Leonardtown Town
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,326,100 (+6.43%)	$1,486,300 (+19.29%) Land $244,800 Building $1,241,500
2025	$14,829.00 (+22.68%)	$1,246,000 (+17.2%) Land $244,800 Building $1,001,200	$1,246,000 (-) Land $244,800 Building $1,001,200
2023	$12,088.00	$1,063,133	$1,246,000 Land $244,800 Building $1,001,200

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	10 (1998–2024)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 5 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 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF LEONARDTOWN serves 5,000 people · EPA ID MD0180006
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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