23305 Joanne Dr, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 23305 Joanne Dr, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,348 sqft · built 2017
Lot Size	0.231 acres (10,064 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Nov 2021)
Tax Bill	$5,650 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Nov 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-074331`

Property Details

APN / Parcel Number

Primary APN	`03-074331`
Alternative APN	`074331`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,348 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,064 sqft (0.231 acres)
Garage Type	Built-in
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	518 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	074331
Street Address	23305 JOANNE DR
City	LEONARDTOWN
State	MD
Zip	20650-2961
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD-M
Legal Description	LOT 30 PHASE TWO ESTATES AT SINGLETREE
Legal Subdivision	PHASE TWO ESTATES
Legal Phase	2
Legal Lot Number	30
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	1
Census Block	1012
Census Tract	875502

Owner

23305 Joanne Dr is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Nov 3, 2021	Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP
Jun 10, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Jun 20, 2018	Deed, Transfer · VA Mortgage C & F MORTGAGE CORP
Mar 10, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2021 · Amount on File
Deed Sale	Nov 3, 2021 · Amount on File
Prior Sale	Jun 20, 2018 · Amount on File
Deed Book / Page	5975 / 403
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961
Transaction Type	Mortgage
Record Updated	Jan 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961

Mortgage

Document Number	0062750132
Date	Dec 28, 2022
Book Page	6275/132

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	467 Months
Due	Nov 1, 2061

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Nov 3, 2021
Property Address	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961
Document Number	0059750403
Book / Page	5975 / 403
Map Reference	LB 58 FO 56
Instrument Date	Oct 21, 2021
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
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	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961

Mortgage

Document Number	5975412
Date	Nov 3, 2021
Instrument	5975/412

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961
Document Number	0051220167
Instrument Date	Jun 10, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23305 JOANNE DR LEONARDTOWN MD 206502961, LEONARDTOWN, MD 20650-2961

Mortgage

Document Number	0051220167
Date	Jul 24, 2019
Book Page	005122/000167

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2049

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jun 20, 2018
Property Address	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961
Document Number	0048910316
Book / Page	4891 / 316
Map Reference	LB58 FO56
Instrument Date	Jun 14, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ULTIMATE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961

Mortgage

Document Number	0004891324
Date	Jun 20, 2018
Instrument	4891/324

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 10, 2017
Property Address	23305 JOANNE DR, LEONARDTOWN, MD 20650-2961
Document Number	0046020353
Book / Page	004602 / 000353
Instrument Date	Mar 8, 2017
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23511 HOLLYWOOD RD LEONARDTOWN MD 206505833, LEONARDTOWN, MD 20650-5833

Tax Assessment & Valuation

The 2025 property tax bill for 23305 Joanne Dr was $5,650 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
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		$522,733 (+4.53%)	$568,000 (+13.58%) Land $106,000 Building $462,000
2025	$5,650.00 Homeowner's exemption	$500,100 Land $106,000 Building $394,100	$500,100 Land $106,000 Building $394,100
2023	$5,040.00	$445,967	$500,100 Land $106,000 Building $394,100

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

Flood

FEMA maps place 23305 Joanne Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.

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 File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2020)
Most Recent Claim	Aug 2020 · Tropical Storm Isaias
Claims by Event	Tropical Storm Isaias, Aug 2020 · 3 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

Wildfire risk around 23305 Joanne Dr is low, with a 0.02% annual chance of 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	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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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