22820 Duke St, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 22820 Duke St, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,343 sqft · built 1947
Lot Size	0.168 acres (7,313 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Feb 2026)
Tax Bill	$3,335 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-006875`

Property Details

APN / Parcel Number

Primary APN	`03-006875`
Alternative APNs	`3006875` `006875`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,343 sqft Total Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,313 sqft (0.168 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	006875
Street Address	22820 DUKE ST
City	LEONARDTOWN
State	MD
Zip	20650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	LOT 22 SECTION 1 WEST LEONARDTOWN SUBD
Legal Subdivision	WEST LEONARDTOWN SUB
Legal Lot Number	22
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	2
Census Block	2003
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	Individual Name on Record
Mailing Address	22820 DUKE ST, LEONARDTOWN, MD 20650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING
May 18, 2021	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	May 18, 2021 · Amount on Record
Deed Book / Page	6855 / 483
Prior Transfer Date	Aug 5, 2014
Prior Transfer Doc	0040690341
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Feb 27, 2026
Property Address	22820 DUKE ST, LEONARDTOWN, MD 20650
Document Number	0068550483
Book / Page	6855 / 483
Map Reference	LB CBG 16 FO 234
Instrument Date	Feb 24, 2026
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
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 in Severalty
Address	22820 DUKE ST, LEONARDTOWN, MD 20650

Mortgage

Document Number	0006855491
Date	Feb 27, 2026
Instrument	6855/491

Lender

Name	CORNERSTONE HOME LENDING
Type	Mortgage Company

Agreement

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

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	May 18, 2021
Property Address	22820 DUKE ST, LEONARDTOWN, MD 20650
Document Number	0057770196
Book / Page	5777 / 196
Map Reference	LB CBG 16 FO 234
Instrument Date	May 11, 2021
Transaction Type	Transfer
Record Updated	Jun 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,900.00
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 in Severalty
Address	22820 DUKE ST, LEONARDTOWN, MD 20650
Investor	Possibly a Property Investor

Mortgage

Document Number	5777203
Date	May 18, 2021
Instrument	5777/203

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0057770223
Date	May 18, 2021
Book Page	5777/223

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Line of Credit
Amount	Amount Recorded

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
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		$277,067 (+2.05%)	$288,200 (+6.15%) Land $98,000 Building $190,200
2025	$3,335.00 (+17.43%)	$271,500 (+12.67%) Land $98,000 Building $173,500	$271,500 (-) Land $98,000 Building $173,500
2023	$2,840.00	$240,967	$271,500 Land $98,000 Building $173,500

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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	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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